System built by connection between a mobile terminal and a service providing device, and service providing method

ABSTRACT

The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc.

FIELD

Embodiments of the present disclosure generally relate to applicationsof bar-code images, and more particularly relate to a service providingdevice, a mobile terminal directly connected with a service providingdevice, a system providing system built by direct connection between themobile terminal and the service providing device, and a serviceproviding method of the service providing system.

BACKGROUND

Mobile payment refers to a service that allows a user to directly orindirectly transmit, using a mobile terminal (usually a mobile phone), apayment instruction to a banking or financial institution to make amonetary payment or funds transfer action via the Internet or proximitysensing, so as to perform a bill payment for a product or servicepurchased. The mobile payment needs to solve two fundamental problems:identity verification and account system. Dependent on different instantnatures of settlements for payment transaction, mobile payments may bedivided into remote payments and proximity payments. Different from theremote payments, which directly graft the Internet technology on amobile device, the proximity payments (including infrared payment,Bluetooth payment, acoustic wave payment, iBeacon payment (Bluetooth LowEnergy), etc.) further require that a mobile terminal and a reader tohave a uniform technical infrastructure and matching hardwareconstructions, wherein connection between the mobile terminal and thereader via a near-field communication technology provides a preconditionof information transmission for information reading and accountverification, so as to satisfy functionalities of storing, identifyingand verifying user account information.

With constant growth of commercial application scenarios, the proximitypayment mode, represented by two-dimensional code payment and NFCpayment, has become gradually popular in the market. The mobile paymentapproach, mainly APPLE PAY, requires binding a bank card to a mobilephone, performing transaction processing such as sensitive dataencryption operations via a security chip SE, and then completing thecommunication via an NFC chip, such that a corresponding device “NPC POSmachine” for recognizing the NFC chip needs to be equipped external tothe mobile terminal, which increases deployment costs and restrictsapplication scenarios.

In contrast, the two-dimensional code payment refers to a light sensingaccess where a mobile terminal scans a two-dimensional code to realizecommunication interaction; it is not required to add an NFC chip orsecurity chip SE to the mobile terminal or additionally equip a POSmachine external to the mobile terminal; besides, the two-dimensionalcode deployment scenarios are not restricted, such that it is convenientto use and easier to promote and popularize. However, despite of theabove advantages, the two-dimensional code payment faces a paymentsecurity issue. Even with innovation and evolution of identityverification technologies such as password verification and fingerprintverification, the current mobile terminals may still complete a paymenttransaction via cooperation between common hardware configurations(e.g., a camera, a decoder) and applications. A chip-level encryption isabsent.

Additionally, two-dimensional code services on mobile phones arecurrently divided into two types: mobile phone-read type applicationsand mobile phone-reading type applications. The mobile phone-read typeapplications generally refer to such applications that after a terminaluser completes the transaction via various kinds of online or non-onlinemanners, an electronic voucher in a two-dimensional code form istransferred via a mobile network and displayed on a screen of the mobileterminal. A merchant may read and verify the authenticity of thetransaction via a specific device. The mobile phone-read typeapplications may be applied to electronic tickets, electronic coupons,electronic redemption vouchers, electronic membership cards, and paymentvouchers, etc. For the mobile phone-read type applications, the mobileterminal generally only serves as a device for storing and displayingtwo-dimensional codes. The current mobile payment realized in a passivecode scanning mode is here illustrated with displaying a payment code ofWechat or Alipay on a consumer's mobile terminal screen as an example,where a dedicated smart terminal of the merchant scans the payment codeto recognize a user payment account corresponding to the payment codefor settlement; however, if the merchant's terminal is hijacked by avirus, which captures the payment code in bad faith to propagate andsteal the money therein while the code is scanned, the consumer canhardly notice it in short term and the loss almost cannot be avoided.

For the mobile phone-reading type applications, the mobile terminal witha camera serves as a tool for reading the two-dimensional code, and atwo-dimensional code reading software is installed on the mobileterminal. The camera captures a two-dimensional code image on aplurality of carriers; the two-dimensional code reading software decodesthe captured two-dimensional code image; in this way, without entering aURL address, the mobile terminal may be quickly lined to a webpagecorresponding to the code information of the two-dimensional code.However, when such a similar active code scanning in mobile payment, thecaptured object is generally a URL link, not a payment mark (i.e., amark with a unique numerical value in place of the main account numberof the bank card, which ensures that application of the numerical valueis restricted to a specific merchant, channel or device), such that itis easily hijacked by a Trojan virus, posing a hidden security risk.Besides, there lacks a uniform code scanning standard. For example,offline codes for Wechat and Alipay are separately distributed, whichare not universal with each other.

Chinese patent application No. 200510033918.7, filed on Mar. 31, 2005,entitled “MOBILE TERMINAL SHOPPING METHOD AND SYSTEM THEREOF,” disclosesa method and a system for implementing mobile terminal shopping using atwo-dimensional code. A mobile terminal captures a two-dimensional codewith a built-in camera and decodes the two-dimensional code; then, themobile terminal sends a payment request message to a payment subsystemwhich completes the payment.

Chinese patent No. ZL200480005625.1, filed on Mar. 8, 2004, entitled“METHOD FOR PROVIDING MOBILE SERVICES BY USING CODE GRAPH,” discloses amethod and a system for providing mobile services using a code graph,specifically a method and a system for providing content providingservices, geographical information providing services, productinformation providing services, taxi call services, personal contactinformation providing services or payment services using two-dimensionalcodes. A mobile terminal captures a two-dimensional code with a built-incamera and decodes the two-dimensional code; then, the mobile terminalsends a service providing request message to a service provider server,such that the service provider server itself providing a service to themobile terminal or the service provider server communicates with anotherserver to provide a service to the mobile terminal.

The technical solutions revealed in the two patent applications aboveshow that the existing mobile terminals must be connected to abackground server which implements provisioning of various kinds ofservices. However, if a wireless network connecting the mobile terminalto the background server has weak signals or no signals, it is hard forthe mobile terminal to access the services in an offline state.

SUMMARY

In view of the drawbacks in the prior art, an object of the presentdisclosure is to provide a service providing device, a mobile terminaldirectly connected with the service providing device, a serviceproviding system constructed based on direct connection between themobile terminal and the service providing device, and a serviceproviding method for the service providing system, which, by leveragingapplications of code medium technologies such as a bar code image, maynot only quickly access to communication and enjoy the convenience ofmobile payment, but also enables chip-level encryption processing withan enhanced security; another object of the present disclosure is toenable a service providing device to implement an independent provisionof services at a mobile terminal side, without participation of abackground server, or alternatively to enable the service providingdevice to provide services through a collaboration with the mobileterminal and/or a background server. A further object of the presentdisclosure is to provide an adaptability to both reading-typeapplications and read-type applications and a combined application ofthe two types.

To achieve the objects above, a technical solution of the presentdisclosure is to provide a service providing method based on parsing ofcode information, comprising: parsing, by a service providing deviceconnected with a first mobile terminal via an interface of a firstmobile terminal, code information obtained by the service providingdevice to extract service information corresponding to the parsed codeinformation;

providing, by the service providing device, a service based on theextracted service information and auxiliary information provided orstored by the service providing device, wherein the auxiliaryinformation at least includes identification information of any one ormore of: a user of the first mobile terminal, a user of the serviceproviding device, the first mobile terminal, and the service providingdevice, and/or information bound to the identification information;

maintaining a same network connection state during service providing;or, including, during the service providing, a plurality of phases,wherein at least one phase has a different network connection state; andwherein the network connection state refers to online or offline;

wherein when the network connection state is offline, the serviceproviding device or the first mobile device does not access a networkcapable of interacting with a background server, and then the serviceproviding device provides the service independently or throughcollaboration with the first mobile terminal;

when the network connection state is online, the service providingdevice, or the first mobile device, or the service providing device andthe first mobile device, access a network capable of interacting withone or more background servers, then the service providing deviceprovides the service independently or through collaboration with thefirst mobile terminal and/or the background server; and

wherein the code information obtained by the service providing device isobtained by decoding a first code medium obtained by the serviceproviding device, the first mobile terminal, or the background server,or is received by the service providing device from the first mobileterminal or the background server.

Optionally, any interacting part transmits or receives the subsequentinformation to or from any other one or more interacting parties:interactive information, interactive code information corresponding tothe interactive information, or an interactive code medium correspondingto the interactive information, or a carrier of the interactive codemedium, or link information for obtaining the interactive information,interactive code medium, or carrier;

wherein the corresponding interactive code information is generatedbased on the interactive information according to a predetermined codingrule, and then the corresponding interactive code medium is generatedbased on the interactive code information;

the interactive information includes one or more of:

extracted service information;

intermediate information needed for service providing;

notification information for feeding back a service providing result;

first identification information, referring to identificationinformation of any one or more of: the user of the first mobileterminal, the user of the service providing device, the first mobileterminal, the service providing device, and the background server;

second identification information, referring to identificationinformation of a third party user, a third party mobile terminal, or athird party server, which are designated by the first mobile terminal,the service providing device, or the background server;

information correspondingly bound to the first identificationinformation and/or second identification information;

attribute information corresponding to one or more of: the user of thefirst mobile terminal, the user of the service providing device, thefirst mobile terminal, or the service providing device; and

the interacting party includes: the first mobile terminal, the serviceproviding device, the background server, the third party mobileterminal, and the third party server.

Optionally, the service providing method further comprises: generatingcorresponding code information based on code information correspondingto the service information according to the predetermined coding ruleand then generating a corresponding first code medium based on the codeinformation;

transmitting the first code medium, the corresponding code informationfor generating the code medium, the link information for obtaining thecode medium or the code information corresponding to the code medium, orthe carrier for the code medium or corresponding code information orlink information, to the first mobile terminal or the service providingdevice, or releasing the same to a place accessible to the user of thefirst mobile terminal or the user of the service providing device suchthat the first mobile terminal or the service providing deviceautonomously obtains them; and

receiving or obtaining a same first code medium for one or more times,and decoding and parsing the first code medium received or obtained ateach time for one or more times so as to extract service information.

Optionally, the service providing method further comprising: whenparsing the code information to determine that the first code medium isgenerated according to the predetermined coding rule, continuing toperform an operation of extracting the service information andsubsequent operations; when parsing the code information to determinethat the code medium is not generated according to the predeterminedcoding rule, not performing the operation of extracting the serviceinformation or the subsequent operations after prompting a parsing erroralert, or providing code information with the parsing error, orproviding information which may be linked to an actual correspondingpage of the code information with the parsing error or a link to theactual corresponding page; wherein

in the case of continuously performing the operation of extracting theservice information, the extracted service information at least includescommand information, the command information being configured foractuating the service providing device to execute a flow of operationsset thereto, or actuating the service providing device and thebackground server or the first mobile terminal in collaborationtherewith to execute the flow of operations respectively set thereto.

Optionally, the service providing device or the first mobile terminalprovides the service or collaborates in providing the service via aclient software configured thereto based on a parameter which resultsfrom parsing the code information and is automatically substituted inthe client software; when it is determined that a client software forsubstituting and interpreting the parameter obtained from parsing thecode information is not installed, the client software is automaticallyinstalled for the service providing device or the first mobile terminal;wherein the substituted parameter comes from the parsed and extractedservice information, or from the service information and the auxiliaryinformation.

Optionally, the service providing method further comprises: presentingor releasing the first code medium or the interactive code medium viathe first mobile terminal, such that any of the background server, thethird mobile terminal, or the third party server may obtain the firstcode medium or the interactive code medium to decode and parse; whereinthe first code medium or interactive code medium respectively refers toany one or any combination of: a bar code image generated in a patternof one-dimensional code, two-dimensional code, or multi-dimensionalcode; an optical lattice diagram generated in a form of light-shadow rayor refurbishing frequency variation or in a form of visible light or UVor infrared light or polarized light; and a digitalized acoustic wave orradio wave generated with a specific law or a specific frequencyvariation pattern

Optionally, the service providing method further comprises: generating ato-be-paid order by the service providing device, the first mobileterminal, or the background server based on the extracted serviceinformation; and deducting, by the service providing device, the firstmobile terminal, or the background server, an order-related payment froma pre-deposited amount under a designated account number, or generatinga postpaid bill including the order-related payment for the designatedaccount number; wherein the designated account number refers to anaccount number bound to the identification information of any one ormore of: the service providing device, the first mobile terminal, theuser of the first mobile terminal or the user of the service providingdevice, a payer designed by the user of the first mobile terminal or theuser of the service providing device; and

the designated account number, link information for retrieving thedesignated account number, a pre-saved code medium or its carrier, isstored in the service providing device, the first mobile terminal, orthe background server; and the designated account number, thepre-deposited amount, or link information for retrieving the designatedaccount number is included in corresponding code information obtainedfrom recognizing and decoding the pre-saved code medium or in a resultof parsing the code information corresponding to the pre-saved codemedium

optionally, when order processing is performed in an offline networkconnection state, the service providing device or the first mobileterminal actuated by the service providing device deducts theorder-related payment from the pre-deposited amount under the designatedaccount number stored in the service providing device or in the firstmobile terminal;

or, when order processing is performed in an offline network connectionstate, the service providing device or the first mobile terminalactuated by the service providing device records information about theorder-related payment under the designated account number stored in theservice providing device or the first mobile terminal; and when thenetwork connection becomes online, the service providing device or thefirst mobile terminal actuated by the service providing device provides,to the background server, information about a record of theorder-related payment under the designated account number so as togenerate a postpaid bill;

or, when order processing is performed in an online network connectionstate, the service providing device or the first mobile terminalactuates the background server to deduct the order-related payment fromthe pre-deposited amount under the designated account number, or torecord the information about the order-related payment under thedesignated account number so as to generate a postpaid bill.

Optionally, the service providing device is a USB device with a USBconnector, which is connected to a first mobile terminal with acorresponding USB interface;

or, the service providing device is a memory card, which is connected toa first mobile terminal with a corresponding memory card slot or memorycard interface;

or, the service providing device is a SIM card, which is connected to afirst mobile terminal with a corresponding SIM card slot or SIM cardinterface;

or, the service providing device is an eSIM card, which is connected toa first mobile terminal with a corresponding eSIM card integrationinterface or is integrated in the first mobile terminal;

or, the service providing device is a device having a wired or wirelesscommunication interface, which is in signal connection with a firstmobile terminal having a corresponding wired or wireless communicationinterface, wherein the signal connection allows the service providingdevice to communicate with the first mobile terminal in the case ofoffline or online;

or, the service providing device is a combination of at least twocomponents that are respectively connected to the first mobile terminalin same or different manners; one component in the combination is anyone in a first group including a USB device, a memory card, a SIM card,an eSIM card, and a device with a wired or wireless communicationinterface; the other component in the combination is any one in a secondgroup including a USB device, a memory card, a SIM card, an eSIM card,and a device with a wires or wireless communication interface.

Optionally, the service providing device is a component having a codeinformation parsing unit and storing a designated account number or apre-saved code medium;

or, the service providing device is a combination of two components,where one component has the code information parsing unit and the othercomponent stores the designated account number or the pre-saved codemedium;

wherein the code information parsing unit stores a code parsing rulematching a predetermined coding rule; the code information parsing unitparses the code information obtained by the service providing device,and/or parses the code information corresponding to the pre-saved codemedium.

Optionally, at the time of generating the first code medium or at anytime point therebefore, the auxiliary information is provided to one ormore of the following recipients; or at the time of service providing orcollaborating in service providing or at any time point therebefore, theauxiliary information is provided to one or more of the followingrecipients; wherein

the recipients include: the service providing device, the first mobileterminal, the background server, a third party code medium generatingdevice for generating the first code medium, an operator system of theclient software, and an operator system of the service providing device.

optionally, the service providing device, the first mobile terminal, orthe background server checks and compares verification informationprovided by the user of the first mobile terminal or the user of theservice providing device with verification-comparison information storedin the service providing device, the first mobile terminal, or thebackground server; and the service is provided when it is determinedthat the verification information is consistent with theverification-comparison information.

Another technical solution of the present disclosure is to provide aservice providing method based on parsing of code information,comprising: implementing a connection between a service providing deviceand a first mobile terminal via an interface of the first mobileterminal at least upon generating code information or a first codemedium corresponding thereto or at least upon collaborating in serviceproviding;

wherein the service providing device provides or stores auxiliaryinformation as well as a predetermined coding rule and/or a matchingcode parsing rule, the auxiliary information at least including:identification information of any one or more of: a user of the firstmobile terminal, a user of the service providing device, the firstmobile terminal, and the service providing device, and/or informationbound to the identification information;

generating, by the first mobile terminal, the service providing device,or a third party code medium generating device respectively designatedthereby, code information corresponding to service information accordingto a predetermined coding rule, and the first code medium correspondingto the code information; wherein the service information includes theauxiliary information;

transmitting, to a first background server or a second mobile terminal,the code medium, the corresponding code information for generating thefirst code medium, link information for obtaining the first code mediumor the code information corresponding thereto, or a carrier for thefirst code medium, the code information, or the link information, orreleasing the same to a place accessible to a user of the firstbackground server or the user of the second mobile terminal for thefirst background server or the second mobile terminal to retrieve bythemselves;

decoding and parsing the first code medium obtained by the firstbackground server or the second mobile terminal, or parsing the codeinformation obtained by the first background server or the second mobileterminal, to extract the corresponding service information, wherein thefirst background server or the second mobile terminal provides a serviceindependently based on the extracted service information, or the firstbackground server or the second mobile terminal collaborates with anyone or more of collaborators below to provide the service: the firstmobile terminal; the service providing device; one or more third partyservers or one or more third party mobile terminals designated by thefirst mobile terminal, the service providing device, the firstbackground server, or the second mobile terminal.

Optionally, the first background server or the second mobile terminal ora third party decoding-parsing device respectively designated therebydecodes and parses the obtained code medium or the obtained codeinformation based on the code parsing rule matching the predeterminedcoding rule, wherein the parsed and extracted service information atleast includes command information for actuating the first backgroundserver or the second mobile terminal or a collaborator thereof toexecute flow of operations respectively set therefor;

when parsing the code information and determining that the first codemedium is generated according to the predetermined coding rule, thefirst background server or the second mobile terminal continuesperforming the operation of extracting the service information andsubsequent operations; and when parsing the code information anddetermining that the first code medium is not generated according to thepredetermined coding rule, the first background server or the secondmobile terminal does not performing the operation of extracting theservice information or the subsequent operations after prompting aparsing error alert, or providing code information with the parsingerror, or providing information which may be linked to an actualcorresponding page of the code information with the parsing error or alink to the actual corresponding page.

Optionally, the service providing device or the first mobile terminalcollaborates in service providing via a client software based on aparameter automatically substituted into the client software; wherein

the parameter substituted into the client software comes from one ormore sources below: corresponding code information for generating thefirst code medium, service information for generating the codeinformation corresponding to the first code medium, code informationobtained from decoding the first code medium, service informationextracted from the parsed code information, and auxiliary information.

Optionally, at the time of generating the code medium or at any timepoint therebefore, the auxiliary information is provided to one or moreof the following recipients; or at the time of service providing orcollaborating in service providing or at any time point therebefore, theauxiliary information is provided to one or more of the followingrecipients; wherein the recipients include: the service providingdevice, the first mobile terminal, the first background server, thesecond mobile terminal, the third party server, the third party mobileterminal, the third party code medium generating device, an operatorsystem of the client software, and an operator system of the serviceproviding device.

Optionally, any interacting part transmits or receives the subsequentinformation to or from any other one or more interacting parties:interactive information, interactive code information corresponding tothe interactive information, or an interactive code medium correspondingto the interactive information, or a carrier of the interactive codemedium, or link information for obtaining the interactive information,interactive code medium, or carrier; wherein the correspondinginteractive code information is generated based on the interactiveinformation according to the predetermined coding rule, and then thecorresponding interactive code medium is generated based on theinteractive code information;

the interactive information includes one or more of:

extracted service information;

intermediate information needed for service providing;

notification information for feeding back a service providing result;

identification information of any one or more of: the first mobileterminal, the service providing device, the first background server, thesecond mobile terminal, the third mobile terminal, the third partyserver, user of the first mobile terminal or the second mobile terminalor the third party mobile terminal, an operator of the first backgroundserver or the third part server;

information correspondingly bound to the identification information;

attribute information corresponding to one or more of: the user of thefirst mobile terminal, the user of the service providing device, thefirst mobile terminal, or the service providing device; and

the interacting parties include the first mobile terminal, the serviceproviding device, the first background server, the second mobileterminal, the third party mobile terminal, and the third party server.

Optionally, the service providing device or the first mobile terminalstores a designated account number or link information for retrievingthe designated account number, or stores a pre-saved code medium or acarrier thereof;

corresponding code information obtained from recognizing and decodingthe pre-saved code medium or a result of parsing the code informationcorresponding to the pre-saved code medium includes the designatedaccount number or the link information for retrieving the designatedaccount number;

the designated account number refers to an account number bound to theidentification of any one or more of: the service providing device, thefirst mobile terminal, the user of the first mobile terminal or the userof the service providing device, a payer designed by the user of thefirst mobile terminal or the user of the service providing device; and

any of the first background server, the third party server, the secondmobile terminal or the third party mobile terminal as a payer, whichobtains the designated account number, the link information forobtaining the designated account number, the pre-saved code medium, orthe carrier for the pre-saved code medium, deducts an order-relatedpayments from the pre-deposited amount under the designated accountnumber, or generates, for the designated account number, a postpaid billfor the order-related payment.

Optionally, the service providing device is a USB device with a USBconnector, which is connected to the first mobile terminal with acorresponding USB interface;

or, the service providing device is a memory card, which is connected toa first mobile terminal with a corresponding memory card slot or memorycard interface;

or, the service providing device is a SIM card, which is connected to afirst mobile terminal with a corresponding SIM card slot or SIM cardinterface;

or, the service providing device is an eSIM card, which is connected toa first mobile terminal with a corresponding eSIM card integrationinterface or is integrated in the first mobile terminal;

or, the service providing device is a device having a wired or wirelesscommunication interface, which is in signal connection with a firstmobile terminal having a corresponding wired or wireless communicationinterface, wherein the signal connection allows the service providingdevice to communicate with the first mobile terminal in the case ofoffline or online;

or, the service providing device is a combination of at least twocomponents that are respectively connected to the first mobile terminalin same or different manners; one component in the combination is anyone in a first group including a USB device, a memory card, a SIM card,an eSIM card, and a device with a wired or wireless communicationinterface; the other component in the combination is any one in a secondgroup including a USB device, a memory card, a SIM card, an eSIM card,and a device with a wires or wireless communication interface.

Optionally, the service providing device is a component having a codeinformation parsing unit and storing a designated account number or apre-saved code medium; or, the service providing device is a combinationof two components, where one component has the code information parsingunit and the other component stores the designated account number or thepre-saved code medium; wherein the code information parsing unit storesthe preset code parsing rule and/or the code parsing rule matchingthereto; and the code information parsing unit further parses the codeinformation corresponding to the pre-saved code medium.

Optionally, the service providing device or the first mobile terminalchecks and compares verification information provided by the user of thefirst mobile terminal or the user of the service providing device withverification-comparison information stored in the service providingdevice, the first mobile terminal, the background server, or the thirdparty server; wherein the service is provided when it is determined thatthe verification information is consistent with theverification-comparison information.

Optionally, the first code medium or interactive code mediumrespectively refers to any one or any combination of: a bar code imagegenerated in a pattern of one-dimensional code, two-dimensional code, ormulti-dimensional code; an optical lattice diagram generated in a formof light-shadow ray or refurbishing frequency variation or in a form ofvisible light or UV or infrared light or polarized light; and adigitalized acoustic wave or radio wave generated with a specific law ora specific frequency variation pattern.

The present disclosure further provides a service providing device,wherein the service providing device implements a connection with afirst mobile terminal via an interface of the first mobile terminal;when the network connection state is offline, the service providingdevice or the first mobile device does not access a network capable ofinteracting with a background server, and then the service providingdevice provides the service independently or through collaboration withthe first mobile terminal; and when the network connection state isonline, the service providing device, or the first mobile device, or theservice providing device and the first mobile device, access a networkcapable of interacting with one or more background servers, then theservice providing device provides the service independently or throughcollaboration with the first mobile terminal and/or the backgroundserver;

the service providing device comprising:

a code information parsing unit configured for parsing code informationobtained by the service providing device to extract service informationcorresponding to the parsed code information, such that the serviceproviding device may provide a service based on the extracted serviceinformation and auxiliary information stored in the service providingdevice;

a transmitting/receiving unit configured for interacting with the firstmobile terminal in the case of offline or online; wherein in the case ofonline, the transmitting/receiving unit interacts with the first mobileterminal and/or the background server; the code information obtained bythe service providing device is received by the transmitting/receivingunit from the first mobile terminal or the background server; and

a memory unit storing the auxiliary information, wherein the auxiliaryinformation at least includes identification information of any one ormore of: a user of the first mobile terminal, a user of the serviceproviding device, the first mobile terminal, and the service providingdevice, and/or information bound to the identification information.

Optionally, the memory unit of the service providing device stores adesignated account number, or a pre-deposited amount under thedesignated account number, link information for retrieving thedesignated account number, a pre-saved code medium or a carrier thereof;the corresponding code information obtained from recognizing anddecoding the pre-saved code medium or a result of parsing the codeinformation corresponding to the pre-saved code medium includes thedesignated account number, the pre-deposited amount, or link informationfor retrieving the designated account number; and

the designated account number refers to an account number bound toidentification information of at least one of: the service providingdevice, the first mobile terminal, the user of the first mobile terminalor service providing device, and a payer designated by the user.

Optionally, the service providing device transmits or receives via thetransmitting/receiving unit: interactive information, an interactivecode medium corresponding to the interactive information, interactivecode information corresponding to the interactive code medium, a carrierof the interactive code medium, or link information for obtaining theinteractive information, the interactive code medium, or the carrier;

the interactive code medium transmitted by the service providing deviceis generated by a code medium generating unit arranged for the serviceproviding device based on the interactive code information correspondingto the interactive information, or is received by the service providingdevice via the transmitting/receiving unit;

the service providing device parses, via the code information parsingunit, the interactive code information corresponding to the interactivecode medium received by the service providing device, so as to obtaininteractive information transmitted to the service providing device;

the interactive information transmitted or received by the serviceproviding device includes one or more of:

intermediate information needed for service providing;

notification information for feeding back a service providing result;

first identification information of any one or more of: the user of thefirst mobile terminal, the user of the service providing device, thefirst mobile terminal, the service providing device, and the backgroundserver;

second identification information of a third party user, a third partymobile terminal, or a third party server designated to any one or moreparties above;

information correspondingly bound to the first identificationinformation and/or the second identification information;

attribute information corresponding to one or more of: the user of thefirst mobile terminal, the user of the service providing device, thefirst mobile terminal, or the service providing device.

Optionally, the code information obtained by the service providingdevice is obtained by decoding the first code medium obtained by thefirst mobile terminal or the service providing device;

the first code medium refers to any one or any combination of: a barcode image where the code information is generated in a pattern ofone-dimensional code, two-dimensional code, or multi-dimensional code;an optical lattice diagram where the code information is generated in aform of light-shadow ray or refurbishing frequency variation or in aform of visible light or UV or infrared light or polarized light; and adigitalized acoustic wave or radio wave generated with a specific law ora specific frequency variation pattern.

Optionally, the code information parsing unit of the service providingdevice, when parsing the code information to determine that the firstcode medium is generated according to the predetermined coding rule,continues to perform an operation of extracting the service informationand subsequent operations, and when parsing the code information todetermine that the code medium is not generated according to thepredetermined coding rule, does not perform the operation of extractingthe service information or the subsequent operations after prompting aparsing error alert, or providing code information with the parsingerror, or providing information which may be linked to an actualcorresponding page of the code information with the parsing error or alink to the actual corresponding page; wherein in the case ofcontinuously performing the operation of extracting the serviceinformation, the extracted service information at least includes commandinformation, the command information being configured for actuating theservice providing device to execute a flow of operations set thereto, oractuating the service providing device and the background server or thefirst mobile terminal in collaboration therewith to execute the flow ofoperations respectively set thereto.

Optionally, the code information parsing unit of the service providingdevice automatically substitutes a parameter obtained from parsing thecode information into a client software configured for the serviceproviding device or the first mobile terminal, such that the serviceproviding device may provide a service; or the first mobile terminal maycollaborate in service providing via the client software; wherein thesubstituted parameter comes from the parsed and extracted serviceinformation or from the service information and auxiliary information;

the service providing device further comprises:

a client software monitoring unit configured for monitoring whether theservice providing device or the first mobile terminal is installed witha client software for substituting and interpreting the parameterobtained from parsing the code information;

a client software installing unit configured for automaticallyinstalling the client software when the client software monitoring unitdetermines that the service providing device or the first mobileterminal is not installed with the client software.

Optionally, the memory unit of the service providing device furtherstores verification-comparison information or link information forretrieving the verification-comparison information; at the time of beingconnected to the first mobile terminal or before service providing, theservice providing device, the background server, or the first mobileterminal extracts the verification-comparison information or its linkinformation from the memory unit, for checking and comparing theverification-comparison information with the verification informationprovided by the user of the first mobile terminal or the user of theservice providing device.

Optionally, at the time of generating the first code medium or at anytime point therebefore, the auxiliary information is provided to one ormore of the following recipients; or at the time of service providing orcollaborating in service providing or at any time point therebefore, theauxiliary information is provided to one or more of the followingrecipients; wherein

the recipients include: the service providing device, the first mobileterminal, the background server, a third party code medium generatingdevice for generating the first code medium, an operator system of theclient software, and an operator system of the service providing device.

Optionally, the service providing device is a USB device with a USBconnector, which is connected to a first mobile terminal with acorresponding USB interface;

or, the service providing device is a memory card, which is connected toa first mobile terminal with a corresponding memory card slot or memorycard interface;

or, the service providing device is a SIM card, which is connected to afirst mobile terminal with a corresponding SIM card slot or SIM cardinterface;

or, the service providing device is an eSIM card, which is connected toa first mobile terminal with a corresponding eSIM card integrationinterface or is integrated in the first mobile terminal;

or, the service providing device is a device having a wired or wirelesscommunication interface, which is in signal connection with a firstmobile terminal having a corresponding wired or wireless communicationinterface, wherein the signal connection allows the service providingdevice to communicate with the first mobile terminal in the case ofoffline or online;

or, the service providing device is a combination of at least twocomponents that are respectively connected to the first mobile terminalin same or different manners; one component in the combination is anyone in a first group including a USB device, a memory card, a SIM card,an eSIM card, and a device with a wired or wireless communicationinterface; the other component in the combination is any one in a secondgroup including a USB device, a memory card, a SIM card, an eSIM card,and a device with a wires or wireless communication interface.

The present disclosure further provides a mobile terminal, wherein themobile terminal implements connection with a service providing devicevia an interface arranged in the mobile terminal; the mobile terminalcomprising

an obtaining module configured for obtaining a first code medium of acorresponding type, wherein the obtained first code medium is decoded bya decoding unit configured to any of the mobile terminal, the serviceproviding device, or a background server to obtain corresponding codeinformation, and a code information parsing unit parses the decoded codeinformation to extract corresponding service information;

a transmitting/receiving unit configured for interacting with theservice providing device when a network connection state is offline oronline and interacting with the service providing device and/orbackground server when the network connection state is online;

wherein when the network connection state is offline, the serviceproviding device or the mobile terminal does not access a networkcapable of interacting with the background server, such that the serviceproviding device provides a service independently or throughcollaboration with the mobile terminal based on the parsed and extractedservice information as well as auxiliary information provided or storedin the service providing device; when the network connection state isonline, the service providing device or the mobile terminal, or theservice providing device and the mobile terminal, access to a networkcapable of interacting with one or more background servers, such thatthe service providing device provides a service independently or throughcollaboration with the mobile terminal and/or the background serverbased on the parsed and extracted service information as well as theauxiliary information provided or stored in the service providingdevice;

an input unit for inputting information when interacting with theservice providing device and/or the background server;

a presenting unit for presenting the input information or outputinformation upon interaction, and configured for presenting a first codemedium obtained by the mobile terminal, decoded code information, parsedand extracted service information or auxiliary information;

wherein the auxiliary information at least includes identificationinformation of any one or more of: a user of the first mobile terminal,a user of the service providing device, the first mobile terminal, andthe service providing device, and/or information bound to theidentification information.

Optionally, a parameter obtained after parsing the code information isautomatically substituted into the client software configured for themobile terminal, such that the mobile terminal may execute, based on theparsed and extracted service information, a flow of operations set forthe mobile terminal in the service information, so as to collaborate forservice providing, wherein the substituted parameter comes from theparsed and extracted service information or comes from the serviceinformation and the auxiliary information.

Optionally, the mobile terminal is further provided with an acquiringmodule configured for acquiring attribute information corresponding toone or more of: the user of the mobile terminal, the user of the serviceproviding device, the mobile terminal, or the service providing device;or, configured for acquiring verification information provided by theuser so as to check and compare the verification information withverification-comparison information pre-saved in the mobile terminal,the service providing device, or background server.

Optionally, the mobile terminal transmits or receives via thetransmitting/receiving unit: interactive information, an interactivecode medium corresponding to the interactive information, interactivecode information corresponding to the interactive code medium, a carrierof the interactive code medium, or link information for obtaining theinteractive information, the interactive code medium, or the carrier;

the interactive code medium sent by the mobile terminal is generated bya code medium generating unit arranged for the mobile terminal or theservice providing device based on the interactive code informationcorresponding to the interactive information, or is received by themobile terminal via the transmitting/receiving unit;

the code information parsing unit of the service providing device or afurther code information parsing unit autonomously configured for themobile terminal parses the interactive code information corresponding tothe interactive code medium received by the service providing device toobtain interactive information sent to the service providing device;

the interactive information transmitted or received by the mobileterminal includes one or more of:

service information;

intermediate information needed for service providing;

notification information for feeding back a service providing result;

first identification information, referring to identificationinformation corresponding to any one or more of: the user of the mobileterminal, the user of the service providing device, the mobile terminal,the service providing device, and the background server;

second identification information, referring to identification of athird party user, a third party mobile terminal, or a third party serverdesignated by any one or more parties above;

information correspondingly bound to the first identificationinformation and/or the second identification information; and

attribute information corresponding to one or more of: the user of themobile terminal, the user of the service providing device, the mobileterminal, or the service providing device.

Optionally, the presenting unit of the mobile terminal is configured forpresenting the first code medium and/or the interactive code medium,such that a further acquiring module configured to the background servermay obtain the first code medium and/or the interactive code medium todecode and parse;

the first code medium or the interactive code medium respectively refersto any one or any combination of: a bar code image generated in apattern of one-dimensional code, two-dimensional code, ormulti-dimensional code; an optical lattice diagram generated in a formof light-shadow ray or refurbishing frequency variation or in a form ofvisible light or UV or infrared light or polarized light; and adigitalized acoustic wave or radio wave generated with a specific law ora specific frequency variation pattern.

Optionally, the service providing device is any one of a USB device, amemory card, a SIM card, an eSIM card, or a device having a wired orwireless communication interface, and the mobile terminal connectedthereto has a corresponding USB interface, a memory card slot or amemory card interface, a SIM card slot or SIM card interface, an eSIMcard integration interface, or a wired or wireless communicationinterface;

or, the mobile terminal is simultaneously connected to at least twocomponents of the service providing device, wherein one component of theservice providing device has a code information parsing unit, referringto any one in a first group including a USB device, a memory card, a SIMcard, an eSIM card, and a device with a wired or wireless communicationinterface; the other component in the service providing device has amemory unit, referring to any one in a second group including a USBdevice, a memory card, a SIM card, an eSIM card, and a device with awires or wireless communication interface.

or, the mobile terminal is a standalone device or a first combination ofa plurality of devices, wherein at least one device of the plurality ofdevices in the first combination is a wearable device; and the serviceproviding device connected to the mobile terminal refers to a USBdevice, a memory card, a SIM card, an eSIM card, or a device with awired or wireless communication interface;

or, the mobile terminal is a combination of a body part and a pluralityof external parts, wherein the acquiring module of the mobile terminalis disposed in the body part; the presenting unit is disposed in thebody part or in the at least one external part; the service providingdevice refers to a USB device, or a memory card, or a SIM card, or aneSIM card, or a device with a wired or wireless communication interface,which is connected to the body part of the mobile terminal or at leastone externally connected part.

The present disclosure further discloses a service providing system,wherein the service providing device described in any optionalembodiment above is connected to the mobile terminal described in anyoptional embodiment above, and the service providing device provides aservice independently or through collaboration between the serviceproviding device and various parties such as the mobile terminal and/ora background based on identification information of any one or more of auser of the mobile terminal, a user of the service providing device, themobile terminal, and the service providing device, and/or auxiliaryinformation such as information bound with the identificationinformation.

The present disclosure further provides an alternative service providingsystem, wherein at least at the time of generating code information or afirst code medium corresponding thereto, or at least at the time ofcollaborating for service providing, a service providing device isenabled to implement connection with a first mobile terminal via aninterface of the first mobile terminal; wherein

the service providing device has a memory unit which stores apredetermined coding rule as well as auxiliary information, wherein theauxiliary information includes identification information of any one ormore of: a user of the first mobile terminal, a user of the serviceproviding device, the first mobile terminal, and the service providingdevice, and/or information bound to the identification information;

a code medium generating unit configured to the service providing devicegenerates, or the service providing device actuates a further codemedium generating unit configured to the first mobile terminal togenerate, the code information corresponding to the service informationand a first code medium corresponding to the code information accordingto a predetermined coding rule;

a transmitting/receiving unit configured to the service providing devicetransmits, or the service providing device actuates a furthertransmitting/receiving unit configured to the first mobile terminal totransmit, the first code medium, the corresponding code information forgenerating the first code medium, link information for obtaining thefirst code medium or the code information corresponding to the firstcode medium, or a carrier for the first code medium or the codeinformation or the link information, to a first background server or asecond mobile terminal, or releases/to release the same to a placeaccessible to the first background server or the user of the secondmobile terminal, for the first background server or the second mobileterminal to retrieve by themselves;

the first code medium received or the first code medium obtained by theobtaining unit is decoded by the first background server or the secondmobile terminal via a decoding unit; the code information received orthe code information obtained by the decoding unit is parsed by thefirst background server or the second mobile terminal via the codeinformation parsing unit so as to extract corresponding serviceinformation and obtain the auxiliary information included therein;

the first background server or the second mobile terminal separatelyprovides a service based on the extracted service information, or thefirst background server or the second mobile terminal provides a servicethrough collaboration with any one or more of following collaborators:the first mobile terminal, the service providing device, one or morethird party servers or one or more third party mobile terminalsdesignated by the first mobile terminal, the service providing device,the first background server, or the second mobile terminal.

Optionally, the service providing device or the first mobile terminalcollaborates in service providing via a d client software based on aparameter automatically substituted into the client software;

the parameter substituted into the client software comes from one ormore sources below: corresponding code information for generating afirst code medium, service information for generating the codeinformation corresponding to the first code medium, code informationobtained from decoding the first code medium, service informationextracted from the parsed code information, and auxiliary information.

wherein the code information obtained by decoding the first code mediumor the service information extracted after parsing the code informationis obtained from decoding and parsing by a code information parsing unitrespectively configured to the service providing device or the firstmobile terminal, or obtained from decoding and parsing by a codeinformation parsing unit respectively configured to the first backgroundserver or the second mobile terminal.

Optionally, the transmitting/receiving unit of the service providingdevice or the first mobile terminal provides auxiliary information toone or more of the following recipients at the time of generating thecode medium or at any time point therebefore; or provides the auxiliaryinformation to any one or more recipients below at the time of serviceproviding or collaborating for service providing or at any time pointtherebefore;

the recipients include: a first background server, a second mobileterminal, a third party server, a third party mobile terminal, anoperator system of the client software, and an operator system of theservice providing device.

Optionally, the mobile terminal is provided with a presenting unit forpresenting a first code medium generated by the mobile terminal or theservice providing device for one or more times; the first backgroundserver, the second mobile terminal, the third party server, or the thirdparty mobile terminal decodes and parses the presented first code mediumto obtain one or more of the following interactive information:

service information;

intermediate information needed for service providing;

notification information for feeding back a service providing result;

identification information of any one or more of: the first mobileterminal, the service providing device, the first background server, thesecond mobile terminal, the third mobile terminal, the third partyserver, user of the first mobile terminal, user of the second mobileterminal, user of the third party mobile terminal, an operator of thefirst background server, or an operator of the third part server;

information correspondingly bound to the identification information ofany one or more parties above, and

attribute information corresponding to one or more of: the user of thefirst mobile terminal, the user of the service providing device, thefirst mobile terminal, or the service providing device.

Optionally, the service providing device is any one of a USB device, amemory card, a SIM card, an eSIM card, and a device having a wired orwireless communication interface, and the first mobile terminalconnected thereto has a corresponding USB interface, a memory card slotor a memory card interface, a SIM card slot or SIM card interface, eSIMcard integration interface, or a wired or wireless communicationinterface;

or, the service providing device is a combination of at least twocomponents that are respectively connected to the first mobile terminalin same or different manners, wherein one component in the combinationhas a code information parsing unit, referring to any one in a firstgroup including a USB device, a memory card, a SIM card, an eSIM card,and a device with a wired or wireless communication interface; the othercomponent in the combination has a memory unit, referring to any one ina second group including a USB device, a memory card, a SIM card, aneSIM card, and a device with a wires or wireless communicationinterface;

or, the first mobile terminal is a standalone device or a combination ofa plurality of devices, wherein at least one device of the plurality ofdevices in the first combination is a wearable device; and the serviceproviding device connected to the first mobile terminal refers to a USBdevice, a memory card, a SIM card, an eSIM card, or a device with awired or wireless communication interface;

or, the first mobile terminal is a combination of a body part and aplurality of external parts, wherein the presenting unit of the firstmobile terminal is disposed in the body part or in the at least oneexternal part; the service providing device refers to a USB device, amemory card, a SIM card, an eSIM card, or a device with a wired orwireless communication interface, which is connected to the body part ofthe mobile terminal or at least one externally connected part.

Optionally, the first mobile terminal is further provided with anacquiring module configured for acquiring attribute informationcorresponding to one or more of: the user of the first mobile terminal,the user of the service providing device, the first mobile terminal, orthe service providing device, or configured for acquiring verificationinformation provided by the user so as to check and compare theverification with the verification-comparison information pre-saved inthe first mobile terminal, the service providing device, the firstbackground server, or the second mobile terminal.

Compared with the prior art, the present disclosure has the subsequentbeneficial effects:

The present disclosure needs no participation of any background server;services are provided independently by the service providing device inan offline state or provided through collaboration with a mobileterminal directly connected to the service providing device. The presentdisclosure also enables the service providing device or the mobileterminal to perform data interaction with the background server so as toexpand more service providing solutions.

The present disclosure substantially does not require any adjustment tohardware such as the interfaces of the service providing device and themobile terminal; sensing access of retrieving the code medium based onscanning of the two-dimensional code is implemented through conventionalconfigurations of devices such as the mobile terminal; besides, thepresent disclosure requires no additional configuration of an externalPOS machine, such that its application scenarios will not be restricted,thereby rendering low cost for promotion and popularization.

By optionally retrieving, decoding, and parsing the code medium oroptionally autonomously generating and presenting the code medium, thepresent disclosure may quickly and conveniently perform relevantoperations such as mobile payment in the case of offline or online,which may also effectively avoid on-site leakage of importantinformation such as account, thereby enhancing the security.

Compared with conventional two-dimensional code payment solutions, whosesecurity measures mostly rely on the software program in the mobileterminal, the present disclosure leverages the service providing deviceindependent of the mobile terminal to parse the code informationcorresponding to the code medium, and the important information (e.g.,use information, account number, etc.) pre-saved in the serviceproviding device is only retrieved when necessary; in this way, a layerof protection is added at the hardware level. Moreover, the presentdisclosure further requires first passing corresponding verificationssuch as password and biometric features when executing an importantoperation, which further guarantees the security.

By pre-registering with a designated background system (e.g., providinguser information or payment account number, or providing informationsuch as the account number bound to a mobile terminal or a serviceproviding device), the present disclosure may avoid on-site display ofrelevant information in plain text, which may also avoid repeatedsubmission of the information to a plurality of parties uponinteraction.

The present disclosure may superimpose identification information of thetarget user in the information corresponding to the code medium based ona predetermined coding rule and decoding-parsing rule matching variousparties so as to guarantee that only the target user may parse and knowcorresponding information, or only the target user performscollaboration in service providing to execute a designed operation, oronly the target user obtains the service, etc.

The preferred embodiments of the present disclosure not only enablededuction from the pre-deposited amount in a prepaid card, but alsoenables a postpaid credit card mode in which the operations subsequentthe payment are first executed, and then bill generating and paymentsettlement are subsequently performed based on the recorded orderamount.

In the preferred embodiments of the present disclosure, a codeinformation parsing unit (e.g., in a form of pre-installed APP program)is pre-installed in a memory device (e.g., an SD card), which, servingas a service providing device, has a relatively low cost inmanufacturing and releasing. In the preferred embodiments of the presentdisclosure, with the SIM card as the service providing device, solvesthe account system-related issues in mobile payment, which may utilizethe natural advantages of the real-name registration system and the SIMcard account bound to the mobile phone number to make mobile payment andfunds top-up so as to implement a prepaid card payment mode usingprepaid call charge, or add the mobile payment amount to the postpaidbill of the mobile phone call charge; in the case of loss, it enablesquick filing of loss and re-filing the SIM card; moreover, with use ofthe SIM card, it may further require access with mobile traffics for theinteraction with the background system when executing importantoperations, thereby avoiding information hijacking upon networking withWiFi. With the SIM card as the service providing device, the carrier maydominate establishment of a “identity recognition+payment account systemby the carrier,” to expand more SIM card-based value-added services. Asto other means such as an eSIM card integrated into the mobile terminal,they are mainly dominated by a terminal vendor, to similarly implementthe mobile payment via an account number bound to the mobile phone.

The present disclosure enables transmitting of any interactiveinformation by generating a new code medium. Various code mediums ortheir carriers obtained or generated by a certain user may be providedto other users by forward, duplication through photographing, or directpresentation on a screen, which may be obtained using a camera of amobile terminal or a scanning gun; then, corresponding information maybe retrieved by decoding and parsing.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 shows a schematic diagram of an embodiment of service providingwithout network connection in the present disclosure;

FIG. 2 shows a schematic diagram of an embodiment of service providingwith collaboration from a background server in the present disclosure;

FIG. 3 shows a schematic diagram of an embodiment of newly generating atwo-dimensional code based on feedback information in the presentdisclosure;

FIG. 4 shows a schematic diagram of an embodiment of scanning atwo-dimensional code for multiple times to obtain complete serviceinformation and releasing a newly generated two-dimensional code in thepresent disclosure;

FIG. 5 shows a schematic diagram of an embodiment of newly generating atwo-dimensional code to collaborate for service providing in the presentdisclosure;

FIG. 6 shows a schematic diagram of an embodiment of service providingwith collaboration between parsing code information and transmitting theinformation and a postpaid mode in the present disclosure;

FIG. 7 shows a schematic diagram of an embodiment of user registrationand parsing and determining a predetermined coding rule in the presentdisclosure;

FIG. 8 shows a schematic diagram of an embodiment of automaticallymonitoring and installing a client software in the present disclosure;

FIG. 9 shows a schematic diagram of an embodiment of actuating a camerato scan a code by a client software in the present disclosure;

FIG. 10 is a structural schematic diagram of an embodiment of a mobileterminal in the present disclosure;

FIG. 11 is a schematic diagram of a service providing device and aconnection relationship in one embodiment of the present disclosure;

FIG. 12 shows a schematic diagram of an embodiment of passive code inthe present disclosure;

FIG. 13 is a schematic diagram of the structures of a service providingdevice and a mobile terminal adapted for passive code scanning and theirconnection relationships in the present disclosure; and

FIG. 14 shows a schematic diagram of a structure of a background serveradapted for passive code scanning in the present disclosure.

DETAILED DESCRIPTION OF EMBODIMENTS

Hereinafter, the concept, specific structures, and achieved technicaleffects of a plurality of embodiments of the present disclosure will befurther illustrated with reference to the accompanying drawings so as tosufficiently understand the objectives, features and effects of thepresent disclosure. Unless otherwise indicated to exclude correspondingfeatures in the subsequent embodiments, relevant definitions,interaction procedures, and the features described in their variedexamples in respective embodiment may all be applied to otherembodiments.

Embodiment 1

As shown in the embodiment of FIG. 1, the mobile terminal and theservice providing device are directly connected such that a system builtmay implement a service providing method below by applying activetwo-dimensional code scanning:

In step S101, a two-dimensional code generating unit generates atwo-dimensional code according to a predetermined coding rule. For aservice designed to be provided by the service providing device in thisembodiment, the two-dimensional code generating unit generates codeinformation corresponding to the service providing-related information(i.e., service information) according to a predetermined coding rule,and then generates a corresponding two-dimensional code for the codeinformation.

In step S102, the two-dimensional code is released to a place where auser of the mobile terminal is accessible. For example, thetwo-dimensional code may be released on an Internet webpage or on anapplication software, e.g., Weibo, Wechat, QQ, etc., which may also bereleased on a plurality of information platforms such as a salescatalog, a TV shopping screen, a building advertisement media, a poster,a real store wall, an exhibition fare, etc.; alternatively, thetwo-dimensional code and/or a hyperlink corresponding to thetwo-dimensional code are directly sent to the mobile terminal.

The hyperlink corresponding to the two-dimensional code, informationcontained in which is identical to the information contained in thetwo-dimensional code, may be generated by the two-dimensional codegenerating unit based on the same predetermined coding rule. Thehyperlink and the two-dimensional code may be displayed on a same pagesent to the mobile terminal, respectively; or the hyperlink per se isinvisible and attached to the two-dimensional code or attached to othermedia such as text, picture, video multi-media, etc. Then, the user mayshoot the two-dimensional code or click the hyperlink (or click thetwo-dimensional code or propagation medium attached with the hyperlink)through the mobile terminal to extract the contained code informationand further parse it to obtain the related information through a codeinformation parsing unit of the service providing device. For example,to receive “a two-dimensional code in an image format without ahyperlink” in an APP having a code information parsing function in themobile terminal/service providing device, by “long pressing” forrecognition access to start “parsing the two-dimensional code by thecode information parsing unit,” the same access recognition effect maybe achieved by “long pressing the two-dimensional code” in the mobilephone.

in step S103, the two-dimensional code is recognized and decoded by themobile terminal to obtain the code information corresponding to thetwo-dimensional code. For example, the two-dimensional code is shot by acamera provided in the mobile terminal and then decoded by a hardwareentity or software application built in the mobile terminal. The cameragenerally has 0.3 mega pixels or above, which may guarantee thedefiniteness of the two-dimensional code. When the camera targets at thetwo-dimensional code and the two-dimensional code is clear enough on theview-finding screen, the camera may automatically shoot thetwo-dimensional code.

In step S104, the code information parsing unit provided for the serviceproviding device parses the decoded code information transmitted fromthe mobile terminal to extract corresponding service information.Optionally, after the parsing, the code information parsing unit maytransmit a necessary content in the service information (or related tothe service information) to the mobile terminal, which is presented onthe display screen of the mobile terminal for the user to view, and/orwaits for further confirmation by the user.

in step S105, the mobile terminal transmits a service providing requestto the service providing device. The form, content, and transmittingmanner of the service providing request are not limited; based on aspecified operation procedure, the service providing request may betransmitted by the user via the mobile terminal or transmittedautonomously by the mobile terminal, or set to be default such that theservice providing device directly executes the subsequent operation ofservice providing based on the operation procedure designated thereto.

The service providing request may include any information deemed by theservice providing device as necessary for service providing. Forexample, it may be required to include, in the service providingrequest, the information uniquely identifying the mobile terminal, e.g.,one or more of the SIM card number of the mobile terminal, the eSIM cardnumber, the telephone number, the IMEI number of the mobile terminal,and the physical address of the interface of the mobile terminal, so asto identify the mobile terminal as a transmitter of the serviceproviding request or a service recipient. However, as the serviceproviding device and the mobile terminal are directly connected via aninterface of the mobile terminal in this embodiment, it may not berequired that the service providing request include the informationuniquely identifying the mobile terminal. For example, in a preferredembodiment, it is default that the service providing device directlyprovides a service to the mobile terminal connected thereto.

In step S106, the service is provided to the mobile terminal via aservice providing device. The present disclosure does not limit the formof the provided service and the manner of service providing. Forexample, for a content providing service, if enough content has beenpre-saved in the service providing device, the service providing devicemay directly extract the content that is stored in the device andcorresponds to the two-dimensional code to transmit to the mobileterminal based on recognition and parsing of the two-dimensional code.If enough content has been pre-saved in the mobile terminal, the serviceproviding device may provide storage information of the two-dimensionalcode related information saved in the mobile terminal to user; or, theservice providing device may start a hardware entity or an applicationin the mobile terminal to extract the two-dimensional code relatedcontent saved in the mobile terminal to the user. For another example,the service providing device starts an external device specified therebyor specified by the mobile terminal to extract the two-dimensional coderelated content in the mobile terminal or service providing device viaan external device and provide it to the user.

For a further example, for an order payment handling service, theservice providing device may directly deduct an amount corresponding tothe order from the pre-deposited amount in the device (see relevantdeduction operation in FIG. 4), such that even without a network or thenetwork signal is weak, the service providing device can still provideservices at any time at any place, directly completing the whole paymentoperation without participation of other background server, which isequivalent to implementing local offline payment in a prepaid card mode.Or, the order payment phase may be separated from the payment settlementphase. The service providing device obtains a payment account numberbound to the service providing device or the mobile terminal or theuser, which is locally stored in the service providing device orobtained from the mobile terminal, and records the order information andthe corresponding amount under the payment account (see the flows beforethe dotted-line blocks in FIG. 6); in this way, even there is no networkor the network signal is poor, the payment operation can be stillcompleted in a way similar to a postpaid credit card mode, i.e.,allowing the service providing device to first carry out the processingprocedures without payment, rather than immediately connecting thebackground server to obtain a result of confirming the order paymentsettlement.

all of the examples above indicate that service providing in the presentdisclosure may be implemented by the service providing device alonewithout participation of any background server. However, the servicesthat can be provided via the service providing devices are not limitedto the specifically illustrated examples. As shown in FIG. 2, thepresent disclosure does not exclude data interaction with the backgroundserver via the service providing device before, when, or after theservice providing.

For example, for a content providing service, supposing that the serviceproviding device does not locally store a specific two-dimensional coderelated content, but records a link address of the background serverstoring the related content, then the service providing device maydirectly retrieve the corresponding content from the background serverbased on recognition and parsing of the two-dimensional code andtransmit it to the mobile terminal in the case of presence of networkconnection; if there is no network connection, the service providingdevice may optionally first transmit the link address to the mobileterminal, and wait till presence of the network connection such that theservice providing device or the mobile terminal connects the backgroundserver to retrieve corresponding content.

For another example, as illustrated in the dotted-line blocks in FIG. 6,continued with the foregoing order payment handling service procedure,the service providing device may wait till presence of the networkconnection to transmit the order information and the correspondingamount in conjunction with necessary information such as the paymentaccount number bound to the user to a background server (e.g., a paymentserver) collaborating to handle the bill issue; the payment serveraggregates all of the order amounts under the payment account number toprovide a later statistical query about the amount deducted by thedevice to the user in a prepaid card mode and provide a payment bill tothe user in a postpaid credit card mode. Other subsequent operations,such as the user completing the transaction through various manners suchas pay-upon-reception and online account transfer, or the payment serverperforming payment settlement with a background system of the vendor,will not be exhausted one by one.

Or, in another optional example of providing a payment order handlingservice, the mobile terminal or the service providing device may beasked to establish a connection with the payment server in real timebased on the user-bound payment account number as set forth in themobile terminal or service providing device, so as to submit the orderinformation, and only after receiving the confirmation information fromthe payment server that relevant payment has been successfully paid tothe vendor system, indicates a successful execution of the paymentoperation. Besides, optionally the service providing device or themobile terminal connects other third-party server for collaborativeprocessing, e.g., after completing payment of the products, connects toa logistic server to arrange for goods delivery, etc.

Embodiment 2

The present disclosure has no limitation to the form of the serviceproviding device, and any device capable of implementing a set function(e.g., code parsing, connecting a mobile terminal via an interface toperform data interaction, storing various information such asfunds/account number, etc.), where the set functions may be completed byone device or a plurality of devices respectively completing a part ofset functions, cooperate with each other to perform the set function, isincluded in the scope of the present disclosure.

The present disclosure has no limitation to the form of the interface ofthe mobile terminal, which is only required to at least implement theconnection for data interaction between the mobile terminal and theservice providing device. For example, the interface of the mobileterminal according to the present disclosure may be various (preferablyshort-range) wireless communication interfaces such as a USB interface,a memory card slot, a SIM card slot, an infrared interface or aBluetooth interface; the service providing device may be a devicematching the corresponding interface, e.g., a USB device with acorresponding USB connector, a memory card such as an SD card, a SIMcard, a device having a corresponding (near-range) wirelesscommunication interface such as infrared or Bluetooth, etc. The serviceproviding device may be constantly connected to the mobile terminal, oris normally carried by a user and only connected to the mobile terminalwhen it is needed to provide services, thereby providing a higherflexibility and autonomy.

In a specific example, the service providing device is a memory card.With an SD card as an example, a bank/insurance company embeds abusiness service packet into the SD card to be issued to the user; theSD card may parse the code information obtained from recognizing apayment collection two-dimensional code based on a code parsing rule inthe business service packet, extract payment-related information such asthe transaction price, the account number of the payment collector; itmay also implement order offline payment handling in a prepaid card modeor postpaid credit card mode based on the pre-deposited amount or userband account number in the business service packet.

For another example, the SD card may set a digital certificate issued bythe bank; for example, it is prescribed that only the SD card may beinserted into the slot, and only after the code information obtainedfrom recognizing the payment collection two-dimensional code is parsedby the code information parsing unit built in the SD card to obtainpayment related information, the user identity is confirmed through thedigital certificate, and the association between the mobile terminal andthe digital certificate is verified, can the payment in the prepaid cardor the postpaid credit card mode be implemented (or, can the mobileterminal is allowed to establish a connection with the payment serverbased on the parsed payment related information so as to deduct theamount from the user's bank account). Currently, the manufacturing costof the SD card becomes increasingly low; therefore, a new bank cardissuing mode may be developed according to the examples of the presentdisclosure to expand new value-added businesses; a new (registered orunregistered) prepaid card may also be issued to the user.

In another specific example, the service providing device is acombination of a memory card (e.g., SD card) and a SIM card; thefunction of parsing the code information may be implemented by the codeinformation parsing unit in the SD card to extract payment relatedinformation and indicate, based on the parsed service information, theSIM card to deduct the order related amount from the prepaid callcharge, or indicate the operator of the mobile communication service togenerate a corresponding postpaid bill. Usually, when applying for a newcard at the operator, information such as the SIM card number and itscorresponding mobile phone number has corresponding records, andreal-name authentication of the user information also becomesincreasingly mature; therefore, confirmation of the identity of themobile terminal user may be completed based on the SIM card.

In a further specific example, the service providing device is alarge-capacity SIM card, i.e., besides confirming the user identity andprovide a deductible account number, the SIM card also has enoughstorage capacity to set the code information parsing unit toindependently or collaborate with the mobile terminal to run someapplication, thereby implementing various functions independentlyperformed by the SD card or jointly performed through the cooperationbetween the SD card and the SIM card in the above example. The currentSIMAC card jointly developed by Tongfang Microelectronics, operators,and card vendors may be used as the large-capacity SIM card as it isbased on THC80F10AC-model chip and has a GB-order card space, such thatit may be connected to a mobile phone via 7816 and ICUSB interfaces,supports an application scenario where the mobile phone only has 7816and SIM interfaces, and supports a plenty of SCWS (Smart Card WebServer) graphic applications and digital copyright applications.

For a service providing device which involves a SIM card, is bound to auser, and has a capability of external interaction and communication, itmay be prescribed to compulsorily access the GSM network based on theSIM card to interact with the server (which may also use NB_IOT toperform identity verification based on a standalone channel so as toguarantee the security under a special payment scenario) when forexample it is needed to connect an external server to assist inhandling, without using WiFi communication via the mobile terminal. Foranother example, it may even be prescribed to directly receive the codeinformation (e.g., in a form of hyperlink corresponding to thetwo-dimensional code) transmitted from the operator via SIM card accessto the GSM network, such that the code information parsing unit extractsthe corresponding service information after parsing based on a matchingcode parsing rule to execute operations of providing services to themobile terminal and the like, without requiring the mobile terminal toscan the two-dimensional code to obtain code information.

The service providing according to the present disclosure substantiallyneeds no adjustment of the current SD card and/or SIM card hardware or amobile terminal interface in cooperation therewith, such that the costfor promotion and popularization is very low; besides, the offlinepayment operation may be implemented only by scanning, which is veryconvenient and has a wide array of applicable scenarios; further, it mayeffectively avoid leaking the band card number or password to the vendoron site or avoid the drawback that information transmitted to thebackground server via an unreliable wireless network is hijacked,thereby providing a higher security. Conventionally, loss of a mobilephone would cause an issue that the funds bound to the software accountsuch as Alipay might be stolen by cracking the payment password;however, based on the system and method of the present disclosure, afterthe mobile phone is lost, the user may immediately file a loss with thecommunication operator to refile a SIM card; in this way, a layer ofsecurity protection for the funds and the account is added at thehardware level. Of course, the present disclosure has no limitation onthe service functions that may be implemented by the SD card and/or theSIM card or the interaction between the mobile terminal proper and otherbackground servers.

In addition, when it is needed to process important businesses with theSD card (or SIM card), or in the case of re-plugging or inserting the SDcard (or SIM card) to a new mobile terminal, a verification mechanismmay be provided to present misuse of the SD card (or SIM card) afterbeing lost or stolen: for example, it is required that after the SD cardis inserted into a new mobile terminal, the user enter a password forverification; the SD card compare the preset password stored in the cardwith the password entered from the mobile terminal (or, the SD cardtransmits the preset password to the mobile terminal or the backgroundserver to complete the specific comparison work), such that only thepasswords match, will the SD card be allowed to execute a serviceproviding operation such as payment. Besides the password, commonverification manners, such as biometric feature recognitions such asfingerprint/voice print/retina (which likely requires the mobileterminal to set or be connected to an acquisition device forcorresponding physiological features), identity verification andrecognition manners, and connection to the background server to send averification short message, etc., may all be applicable, which will notbe exhausted here. the other kinds of service providing devices asmentioned above may implement the functions of the SD card/SIM cardstandalone or with mutual cooperation.

The service information according to the present disclosure may be anyinformation related to service providing. For example, in an example ofselling a certain product based on a two-dimensional code, the serviceinformation may include product information, e.g., product transactionrelated information such as product code, product category, regional GISclassification information, transaction price, sales organization, saleschannel, rebate percentage, payment manner, receiving bank accountnumber, third-party payment collection account number, and etc. Then,after parsing, necessary information (e.g., product name, transactionprice, etc.) in the service information may be presented to the user;the service providing device or the mobile terminal may further obtainsome other essential user information (e.g., payment manner, itemspurchases, address for receiving the product, etc.) related to thetransaction from the mobile terminal or through interaction with theuser. If the user is satisfied with the product and confirms thecorresponding transaction information, a buy request may be sent to theservice providing device via the mobile terminal to transmit the formedorder (or transmit the transaction related information needed for theservice providing device to form the order), such that the serviceproviding device provides a corresponding order processing service.

Some attribute information of the mobile terminal may also betransmitted with the buy request. For example, the location informationof the mobile terminal is obtained by a positioning unit (a GPS moduleor WiFi module, etc.) and provided to the service providing device todetermine whether the mobile terminal is nearby a vendor, such that theservice providing device may match corresponding discounts at differentpositions to process the order. To this end, the service informationobtained from parsing by the service providing device should include adetermining rule that different positions correspond to differentdiscounts. Of course, the present disclosure makes no specificlimitations to the determining rules and the attributes of the mobileterminal or user necessary for the determination.

Besides recognizing the information of the service requesting party orservice receiving object in the service providing request above, ordefault in recognizing the information of the mobile terminal (which isconnected to the service providing device), for example, recognitioninformation of other third party (e.g., another mobile terminal, acertain background server, etc.) as the service receiving object may betransmitted with the service providing request; then the serviceproviding device may provide services to a designated service receivingobject based on the recognition information (e.g., executing a refinanceprocessing for the order of another mobile terminal).

The prepaid card account number and the pre-deposited amount and thelike of a consumer may all be embodied in a “prepaid cardtwo-dimensional code” form (the information obtained from decoding andparsing the prepaid card two-dimensional code includes for example theprepaid amount, the coupon tickets including the number of consumptiontimes, etc.); after the consumer purchases the card from or tops up tothe operator of the prepaid card, the prepaid card two-dimensional codewith updated parameters (capital amount or consumption times) may beprovided by the operator. The prepaid card two-dimensional code may beindependently issued or transmitted to the service providing device ormobile terminal and stored therein; or, the image of the prepaid cardtwo-dimensional code may be pre-saved in the SD card and/or SIM; whilethe SD card and/or SIM card is directly issued by the operator toguarantee the convenience and security for use. Or, the mobile terminal,or the service providing device, or their respective designatedtwo-dimensional code generating module may generate, based on theupdated parameters provided by the operator, a prepaid cardtwo-dimensional code with corresponding updated parameters.

In use, the consumer presents (or transmits or releases) the prepaidcard two-dimensional code via the mobile terminal or service providingdevice, for a two-dimensional recognition device of others (e.g.,vendors) to scan the code, which parses to obtain the correspondingparameter information based on a code parsing rule matching thepredetermined rule and scans the code for verification. To prevent theprepaid card two-dimensional code from being usurped, it may be requiredthat the consumer per shall confirm the payment operation on the mobileterminal before paying the amount. Or, the mobile terminal of theconsumer may recognize the vendor's payment collection two-dimensionalcode to obtain the order information and payment collection accountnumber, etc.; further, the mobile terminal or the service providingdevice may recognize its own prepaid card two-dimensional code and parseto obtain corresponding parameter information to perform the paymentoperation. Therefore, this kind of prepaid card two-dimensional code maybe adapted to both active and passive code scanning manners.

This prepaid card two-dimensional code may be shared and gifted to otherusers by forwarding, photographing to duplicate, etc.; the“gifted/duplicated prepaid card two-dimensional code” may be identicalto the original prepaid card two-dimensional code, or be a newlygenerated two-dimensional code; and in its corresponding serviceinformation, the payable amount may be further adjusted, or therecognition information of the original user and/or new user may beincluded (or information bound and associated with the recognitioninformation, etc.), e.g., for limiting the object that may use thegifted/duplicated prepaid card two-dimensional code; if the new and oldusers are allowed to simultaneously use the prepaid card two-dimensionalcode and/or the gifted/duplicated prepaid card two-dimensional code,this mode is similar to the principal-supplemental card mode; foranother example, the flow in the coding rule may be designed such thatwhen the new user uses the gifted/duplicated prepaid cardtwo-dimensional code to purchase, a notice is sent to the original user,or it may be further required to obtain the original user's consent topay before deducting the order payment from the pre-deposited amountcorresponding to the gifted/duplicated prepaid card two-dimensionalcode.

Based on the prepaid card two-dimensional code and the operations ofgifting/duplicating, it may also be listed on a “digital assetsexchange” or the like to realize “digitalized transfer transaction.” Forexample, a pre-deposited amount or points originally based on a certaindigital currency unit may be exchanged with other unit digital currencyusing a two-dimensional code management server connected to the “digitalassets exchange” via the background, which is similar to the foreignexchange transaction; then, the pre-deposited amount in the originalprepaid card two-dimensional code may shop across two-dimensional codeserves at an exchanged proportion; this mode enables a transaction notonly cross cities, but also cross countries.

Embodiment 3

As shown in FIG. 3, in an optional step S107 continuing from theforegoing step S106, the service providing device may transmit afeedback message to the mobile terminal, e.g., a message notifying asuccessful service providing (successful charge payment, etc.) or amessage notifying a failure (prompting insufficient balance, etc.). Or,if the service providing request includes the third party recognitioninformation, it may also be required that the service providing devicenotify the feedback information to a designated third party (e.g., apayment server, a vendor's system, another mobile terminal, etc.).

In a preferred example of step S107, the notification of successfulpayment operation transmitted from the service providing device issuperimposed with identification information of the mobile terminal (orservice providing device), such that a two-dimensional code generatingunit equipped to the service providing device or mobile terminalgenerates a second two-dimensional code, which may be displayed on thedisplay screen of the mobile terminal, stored in the mobileterminal/service providing device, or forward to the third party(another mobile terminal, payment server), etc. Then, any other mobileterminal scans, recognizes, and parses the second two-dimensional codeto obtain the notification information about the successful execution ofthe payment operation.

For example, in an example of implementing a function of paying a busfare by a bus card, a two-dimensional code generating unit of a buscompany generates a first two-dimensional code; the user starts thecamera in the first mobile terminal to scan the first two-dimensionalcode at an entry of the bus; the connected service providing deviceparses the corresponding code information and directly deducts a busfare of a fixed amount from the pre-deposited amount (in this case, theuser needs not confirm the charge, and the service providing request maybe in default); or the charge and the prepaid balance may be presentedon the first mobile terminal before the deduction, and after the userclicks confirmation (as a service providing request), the serviceproviding device deducts the charge. After the deduction, a notice ofsuccessful deduction and the balance may be presented on the screen; or,a two-dimensional code generating unit of the first mobile terminal orservice providing device may further generate a second two-dimensionalcode as a payment voucher based on the notification information ofsuccessful deduction (whether to superimpose the identificationinformation of the first and/or the second mobile terminal is optional);the second two-dimensional code may be forwarded to the mobile terminalof another user (i.e., the second mobile terminal). At the entry or exitof the bus, a two-dimensional code scanning device may be provided toscan the second two-dimensional code of the (first or second) mobileterminal, decode and parse to obtain a notification information that thefare has been paid; and then the two-dimensional code reading devicecontrols the gate at the entry or exit to open to let pass the userwhose mobile terminal has the second two-dimensional code. If theidentification information of the first and/or second mobile terminal issuperimposed on the second two-dimensional code, it may help thetwo-dimensional code reading device to distinguish whether the paymentvoucher has been used or determine whether the payment voucher matchesthe mobile terminal in use.

In another example, supposing that the bus fare is not fixed, butincrements by tiers based on the drive miles, as shown in FIG. 4, thefirst mobile terminal scans the first two-dimensional code at the entryof the boarding stop, the service providing device parses and extractsthe boarding stop information corresponding to the first two-dimensionalcode and records it in a formed to-be-paid order; the first mobileterminal scans a third two-dimensional code issued by the bus stop atthe exit of the alighting stop, the service providing device parses andextracts the corresponding alighting stop information, and based on thearrival bus top information and the boarding stop information in theto-be-paid order, the service providing device, alone or incollaboration with the mobile terminal, calculates a corresponding fare,and the service providing device executes the payment deductionoperation (deduction from the pre-deposited amount or assisting ingenerating a postpaid bill). Or, as shown in FIG. 5, the first mobileterminal scans the first two-dimensional code at the entry of theboarding stop, the service providing device parses and extracts thecorresponding boarding stop information, and then the two-dimensionalcode generating unit of the first mobile terminal or the serviceproviding device submits the boarding stop information and the paymentaccount information to generate the second two-dimensional code; thefirst mobile terminal scans the second two-dimensional code at the exitof the alighting stop to parse and obtain the boarding stop informationas a basis for calculating the corresponding bus fare in conjunctionwith the boarding stop information, and then is connected the paymentserver background bound to the account to collect corresponding paymentbased on the user's payment account information to let the user pass.Or, as shown in FIG. 6, the first mobile terminal scans the firsttwo-dimensional code at the entry of the boarding stop, the serviceproviding device parses and extracts the corresponding boarding stopinformation therein, the service providing device, alone or incollaboration with the mobile terminal, calculates the corresponding busfare based on for example the position change of the mobile terminalbetween the departure and alighting stops and time increase, the serviceproviding device executes the processing operation of deductiblepayment, and then the two-dimensional code generating unit of the firstmobile terminal or the service providing device generates a secondtwo-dimensional code as a payment voucher, available for the device atthe exit of the alighting stop to scan and let the user pass. Foranother, the service providing device may obtain information such as thededucted amount or times at the current month and calculates and deductsthe discounted bus fare based on the preferential policy set by the buscompany (the preferential policy may be covered in the parsing rule orcovered in the service information obtained from parsing the firsttwo-dimensional code).

Embodiment 4

The method of decoding the two-dimensional code or its hyperlink toobtain corresponding code information may be implemented with referenceto any existing manner. As another implementation manner of step S103,the mobile terminal transmits the captured or received two-dimensionalcode to a background server in wired or wireless network connectionthereto, and after the background server decodes the two-dimensionalcode, returns the decoded code information to the mobile terminal, suchthat the mobile terminal without a two-dimensional code canningrecognition or decoding capability may also be applicable to thesubsequent processing procedure of the present disclosure, therebyobtaining the service provided by the service providing device.

In a preferred example, the service information related to the serviceproviding in the present disclosure at least includes a command forexecuting an operation procedure in which operations to be executed bythe service providing device and the preconditions for the operationsare prescribed; meanwhile, for various other parties involved in serviceproviding (e.g., the user, mobile terminal, background server, etc.),their respective operations and preconditions executed in the operationflow in collaboration with the service providing are prescribed; thepreconditions may refer to, when the operation flow is executed to acorresponding phase, achieving a result of an operation that needs to beexecuted by one party or more parties, or reaching some activeconditions which may be adjusted based operations of respective partiesand/or passive conditions (not affected by the operations of respectiveparties).

The present disclosure may cover the command of executing the operationflow above and other information (e.g., commodity information in theexample) needed for service providing in the service information, andgenerate corresponding code information and two-dimensional code basedon the preset coding rule. To this end, after the mobile terminal scansthe two-dimensional code, the service providing device may know theoperation flow in the service information by parsing the codeinformation of the two-dimensional code based on a parsing rule matchingthe coding rule and then actuates the service providing device per seand various other parties to execute corresponding operations based onflow settings to thereby complete the service providing; a closed-looptransaction (an implication of is not limited to the so-calledtransaction in selling and buying a commodity) implemented as suchcauses a hacker without a matching code parsing rule hard to hack theclosed-loop transaction process and avoids the information in thetwo-dimensional code from being tampered or intercepted, therebyeffectively guaranteeing the security of transmitting information in thetwo-dimensional code.

In other words, the present disclosure may provide a convenient andefficient e-commerce service; the user is only required to access thetwo-dimensional code corresponding to the commodity or service; thesimple action of shooting may trigger a series of subsequent operations,thereby implementing a full flow of complex e-commerce. Due to theextremely distribution scope of the two-dimensional code, the mobileflexibility of the mobile terminal, and the offline service of theservice providing device, the user may very conveniently performoperations such as purchase and payment anywhere and anytime to obtaincorresponding services. In the closed-loop transaction of the presentdisclosure, the code information corresponding to the informationprovided by the two-dimensional code transmitter, the code informationactually corresponding to the two-dimensional code during the procedureof releasing and transmitting, and the information obtained fromparsing, by the two-dimensional code receiving party, the codeinformation in the two-dimensional code, follow a rule of uniformityamong the three (the predetermined coding rule and the matching codeparsing rule); as long as the three parties are not inflected by thesame virus simultaneously, risk of leakage of important information suchas the payment account number will not occur; only a device equippedwith a matching code decoding rule can trigger, based on the serviceinformation obtained by parsing the code information of thetwo-dimensional code, a command therein which actuates the device per seor various other parties to execute the defined operation flow.

Further in step S104 of a specific example, when the service providingdevice parses the code information, as illustrated in FIG. 7, it mayfirst determine whether the two-dimensional code is generated based on apredetermined coding rule: if the two-dimensional code is generatedbased on the predetermined coding rule, subsequent steps of this methodmay be continuously executed (e.g., executing steps S104˜S107 orembodiments of their various alterations); correct parsing indicatesthat the product information corresponding to the code information ofthe two-dimensional code s provided by the vendor releasing thetwo-dimensional code, the service represented by the service informationcorresponds to the service that may be actually provided by the serviceproviding device, etc. Otherwise, if the two-dimensional code is notgenerated based on the predetermined coding rule, i.e., the codeinformation of the two-dimensional code likely corresponds to thecommodity information of another vendor or a service provided by anotherservice providing device, then the service providing device may providethe subsequent information to the mobile terminal: for example, actualcode information corresponding to the two-dimensional code, or a webpagelink (corresponding to the commodity or service of another merchant)that may be linked to the actual code information of the two-dimensionalcode, or direct link to the webpage, or alarm of an error, or otherpreset webpage or indication information provided, subsequent steps ofthe method will not be continued to execute.

In a further preferred embodiment, to designate and accurately identifythe executing party of the operation flow command in the serviceinformation, identification information of the executor may be furtherincluded in the service information: for example, the O20BUY12345included in the code information indicates that in the correspondingservice information, the service providing device with an identificationinformation O20BUY is designated to execute the operation 12345 set inthe operation flow; then, this example ensures that only after theservice providing device O20BUY correctly parses the code information,can the operation be performed based on the indication in the serviceinformation, while other service providing devices with differentidentification information cannot parse to obtain the correspondingservice information (or the operation designated in the serviceinformation cannot be executed). It is seen that in this example, beforeformulating the coding rule or matching code parsing rule or generatingthe two-dimensional code, the identification information of theexecuting party (e.g., service providing device, or mobile terminalcollaborating in service providing and its user, and various backgroundservers, etc.) needs to be known so as to include the identificationinformation in the code information corresponding to the two-dimensionalcode and the service information; therefore, the executing party needsto first pre-register with the operator of the two-dimensional codegenerating unit to provide identification information.

Additionally, in order to implement the order payment processing in thecredit card mode above, it is required to at any time before executingthe service providing step S106 (including before step S101) toimplement registration of the user-bound account number to the paymentserver, such that the payment server may subsequently settle the paymentwith the user based on the recorded registration information. Further,in an example under the prepaid card mode, it may also be required toregister the user with the provider of the service providing device ator before the first time of depositing an amount: for example, providingthe identification information of the service providing device to theprovider of the device (e.g., a bus company issuing the transportationcard, serial number information of an unregistered transportation cardrecorded before selling of the card, etc.; the transportation card mayserve as a service providing device to be wireless connected with amobile terminal having an NFC identification module); for anotherexample, the information of the user using the service providing deviceor the identification information of the mobile terminal connected tothe service providing device may be provided to the provider of thedevice (e.g., user real-name information including the telephone number,SIM card number, name, and ID card as recorded by the communicationcarrier, the IMEI number or the physical address of the interface of themobile terminal, etc.). Or, as needed, the identification informationmay be transmitted by the service providing device or the mobileterminal to the background server for registration before the serviceproviding device or the mobile terminal submits transaction interactionwith the background server as to the collaboration for handing theservices.

The registration message described in various examples above for exampleinclude identification information which may uniquely identify themobile terminal, the usr, or the service providing device, and/orassociation information among the three; may further include otherpersonal information such as the user name, the password, the address,the interests, the QQ number, and the payment account number, etc. Suchregistration information may be provided once for all or providedseparately at different phases of the executed flow. The manners for therespective parties to submit their own registration information (orsubmit the registration information of their interacting parties) arenot limited, e.g., the registration information may be transmitted viathe communication module of the mobile terminal, the communicationfunction (e.g., SIM card) of the service providing device, or otherdevice (e.g., personal computer, etc.); the registration information maybe transmitted separately or with other interaction requests over awired or wireless network; the registration information may also beprovided by signing a paper or electronic protocol. Or, the registrationinformation may be obtained from another background server that hasrecorded the relevant registration information (e.g., the registrationinformation may be transferred among the background system of theprovider of the service providing device, the background system of thetwo-dimensional code generating unit, and the background servercollaborating in processing the service providing), which may avoidrepetitive submission of the personal information (particularly theimportant information such as the payment account number) to therebyeffectively avoid risks. This mode naturally implements the paymenttokenisation technology (which is a latest technology officiallyreleased by EMVCo in 2014, a principle of which is to performtransaction verification through a payment token in place of band cardnumber, thereby avoiding the risks incurred by leakage of bank cardnumber information).

Payment tokenisation is a process of using a unique numerical value inplace of a conventional band card principal account number; meanwhileapplication of the value is restricted to a specific vendor, channel ordevice. The payment token may be applied in various nodes of a band cardtransaction. Like the conventional bank card number-based transactions,the payment tokenisation may be used in cross banks in the industry andthus has a universality: it may perform desentisation processing toinformation such as the bank card number, the valid term of the card,and the payment account of the payment institution, etc., and by settingdomain-control attributes such as the times of transactions of thepayment token, the transaction amount, the valid period, and the paymentchannel, etc., to control information leakage and fraudulent transactionrisks from the source.

The two-dimensional code payment mode according to the presentdisclosure may implement the “payment tokenisation” through formulatinga coding rule. In the system of the present disclosure, the paymentincludes two parts: “identity verification” and “account system,” whilethe uniquely identified “device number” may serve as an important “ID ofdigital person” of the “payment tokenisation verification” (as ahardware-based ID verification, its security is higher than puresoftware-based), while to implement funds transfer cross account systemsby code scanning, particularly the two-dimensional code for payment byactive code scanning may include information about “payment scenario”and identity verification. The “digital person” above may be understoodas an integration of a natural person in the real world with a devicethat is equipped to the person and enables digitalized sensing access(for example, a mobile terminal and a service providing device whichimplement recognition and parsing of the code). The digitalized sensingaccessed device imparts digitalized properties to the entity person. Thedigital person has an identifiable digital person token (ID of thedigital person), which may be device information and/or user identityinformation, or a binding of the user identity information to the deviceinformation; the digital person symbol may be unique within a specificrange. Any behavioral operation executed by the digital person may beidentified and recorded by an authorized agency based on theidentifiable digital person.

An offline prepaid card discount card solution containing a paymenttoken (originated from the local service providing device) is providedbelow: a customer recognizes a source two-dimensional code released by avendor through a mobile terminal at an offline store, and the mobileterminal decodes and parses the source two-dimensional code to obtain aservice and then enters a promotion page where the product can beshared; or, the customer directly opens the vendor's App or opens auniversal payment App. At the promotion page or in the opened App, thecustomer clicks a payment code button, such that a local serviceproviding device containing the code issuing standard rule of the safetypayment code issuing center may obtain a dynamically payment code (Hashvalue) containing the payment token, which Hash value corresponds to thecustomer's prepaid card information (e.g., card number, pre-depositedamount, etc.) embedded in the local service providing device; thecustomer may also buy the vendor's membership card at the site andfurther adds the membership card information in the contentcorresponding to the Hash value to thereby obtain a discountqualification. A shop assistant scans the Hash value presented on thecustomer's mobile terminal via a corresponding recognition device toobtain information about the prepaid card/membership card to complete asecure and high-value payment. The promotion page may be forwarded andshared; as what is forwarded is not the source two-dimensional code, thecustomer's prepaid card function may be shielded from others. Anothercustomer who receives the forwarded promotion page may likely go to theoffline store to scan the source two-dimensional code to access or openthe corresponding App and otherwise initiate an invoking of theabovementioned payment-related logic. Of course, the “hash value ofpayment token” may also be obtained from the “server end of the securepayment center” over a wireless communication connection based on themobile terminal's “code parsing rule.” The “payment token” in the localservice providing device (e.g., SD card) may implement a “high-valuecheck” “designated scenario” application service function like theprepaid card.

The code information parsing unit of the service providing deviceaccording to the present disclosure may be an application (App) forimplementing code information parsing based on a matching code parsingrule or a hardware device embedded with the application. It may beprescribed that the service providing device, the mobile terminal, andanother third party application device cannot autonomously modify thecode information parsing unit or the code parsing rule therein; instead,only the provider of the service providing device may performinstallation or update, or the installation or modification can only beperformed after obtaining authorization of the provider.

Embodiment 5

In the present disclosure, a client software may be configured for themobile terminal so as to provide an interface for human-machineinteraction, presenting various prompts and notifications sent forexample by the service providing device and the mobile terminal to theuser, receive a confirmation indication sent by the user, and fill invarious information, etc.; or facilitate the user to obtain a serviceprovided by the service providing device (or its collaboration with themobile terminal and the background server, etc.).

As illustrated in FIGS. 8 and 9, when the user views the releasedtwo-dimensional code, the camera may be awaken by the client software toscan; the client software sends the decoded code information to theservice providing device and the service providing device receives andautomatically substitutes a relevant parameter in the parsed serviceinformation (the relevant parameter is configured for actuating themobile terminal to execute a collaborative operation command, and/or forindicating the information presented to the user) so as to continueexecuting a relevant flow of the service providing method of the presentdisclosure. Or, regardless of whether the client software has beeninstalled, the mobile terminal may directly start a universal camera toscan the two-dimensional code; after the service providing device parsesto obtain the service information, it automatically starts anappropriate client software in the mobile terminal based on relevantparameters in the service information and substitutes the relevantparameter obtained by parsing the service information in the clientsoftware to continue executing relevant procedures.

In a preferred embodiment of the present disclosure, the two-dimensionalcode decoding unit is embedded in the hardware entity of the mobileterminal, such that even the mobile terminal is not installed with theclient software, it may still shoot and decode the two-dimensional codeand submit it to the service providing device to parse. Optionally, ifthe service providing device fails to parse the code information of thetwo-dimensional code, the client software may prompt an error alarm tothe user, alert the user to scan a correct two-dimensional code, andpresent a page linked to the actual code information of thetwo-dimensional code or present the link, etc. Besides, for codeinformation of the two-dimensional code which cannot be successfullyparsed, the service providing device may also be connected to abackground server to update the code information parsing unit or requestthe background server to parse and return a parsing result.

The client software that may substitute relevant parsed parameters maybe associated with the code information parsing unit of the serviceproviding device, e.g., knowing a predetermined coding rule or matchedcode parsing rule, or may further run based on the rule to implement setoperations. At any time point before the parsing process, if the serviceproviding device determines that the client software is not installed inthe mobile terminal, the client software installation packet stored inthe service providing device or the link address for downloading theclient software may be sent to the mobile terminal, or after theinstallation packet is downloaded from the background server of theclient software operator based on the link address, it is sent to themobile terminal and automatically installed. The background server (or athird party associated therewith) of the operator of the client softwaremay likewise determine whether the client software is installed in themobile terminal. The service providing device or the background servermay monitor, by setting a client software monitoring unit, a list ofinstalled software in the mobile terminal to determine whether theclient software has been installed and determine whether participationof the client software installing unit is needed; the client softwareinstalling unit may provide an client software automatic download andinstall services to the mobile terminal when it monitors and determinesthat the client software is not installed, which needs no manualoperation of the user of the mobile terminal, thereby enhancing thesatisfactory degree of the user experience.

Based on actual application scenarios, the user, the mobile terminal, orthe service providing device may be required to provide registrationinformation to the operator of the client software in advance accordingto any manner mentioned above; if necessary, the background system ofthe operator may communicate various service providing-relatedinformation such as the registration information with other backgroundservers, such as the background system of the provider of the serviceproviding device, the background system of the two-dimensional codegenerating unit, and the background server collaborating in handlingservice providing.

Embodiment 6

Besides the two-dimensional code, the service providing method of thepresent disclosure may also be implemented based on other forms of codemediums. The code mediums may be barcode images such as one-dimensionalcode, two-dimensional code, multi-dimensional code, which are visible tonaked eyes, or an optical lattice diagram which expresses the codeinformation and is drawn with a fluorescent pen and represented invarious forms such as: light-shadow rays, visible light, UV light orinfrared light, polarized light, refurbish frequency, etc., or adigitalized acoustic represented with a specific rule/frequency change,as long as the code medium may completely store the code informationcorresponding to the information that needs to be sent. Although theone-dimensional code has a limited storage information amount, it isalso feasible theoretically. The optical lattice diagram is generallydesigned to be unidentifiable or hardly identifiable to naked eyes, andthe digitalized acoustic waves are generally designed to be hardlyidentifiable by human ears. However, the present disclosure is notlimited thereto; when necessary, they may be made visible to nakedeyes/audible to human ears.

The mobile terminal in the present disclosure may be a mobile phone, atablet computer, a personal computer, or a wearable device; when theservice providing device is a SIM card, it may also refer to an eSIMcard in a wearable device. The wearable device refers to, but notlimited to, various human body wearable parts such as a portion (e.g.,for arranging a flexible information display and input screen) ofaccessories, eyewarees, eyeware clips, headwear, hats, tie clips,brooches, bow ties, bracelets, watches, earphones, clothing, shoes. Auser may be simultaneously equipped with one or more wearable devices.The service providing device may also be embedded in a certain wearabledevice.

As shown in FIG. 10, an exemplary mobile terminal according to thepresent disclosure has at least one interface as mentioned above to beconnected to a service providing device; the mobile terminal furthercomprises the subsequent functional modules:

an obtaining module for obtaining a code medium; for example, a camerathat captures a visible barcode image; or a personal computer, which maybe connected to a barcode recognition device such as a code scanning gunto scan a bar code image even without a camera; or a corresponding typeof obtaining module which receives the optical lattice diagram or adigitalized acoustic wave, etc.;

a decoding unit configured for decoding the obtained code medium toobtain code information;

a transmitting/receiving unit configured for interacting informationwith a service providing device (or further with various kinds ofbackground servers, or functional modules of the mobile terminalscattered in other mobile terminals), or for implementing forwarding ofthe interactive information between the service providing device and thebackground server, etc. so as to receive the service or collaborate inservice providing; for transmitting and receiving any informationmentioned in various examples above, e.g., transmitting registrationinformation or receiving registration success information, transmittingcode information or receiving parsed service information, transmitting aservice providing request, and transmitting or receiving variousfeedback notifications during the service providing process, etc.;

an input unit configured for entering input information involved in aninteraction process; and

a presenting unit configured for presenting various information involvedduring the interaction process; information presenting may also beimplemented by providing an external screen or projector, wherein themanners of information presenting are not limited.

In some examples, the mobile terminal may further comprise a code mediumgenerating unit for generating another code medium, for example, causingthe code information of another code medium to correspondingly include avoucher notification of successful service providing or receiving,identification information of the mobile terminal or the third party itdesignates, etc. The code medium obtained by the mobile terminal oranother code medium generated may be transmitted to a further mobileterminal or a further background via the transmitting/receiving unit.

When the mobile terminal uses wearable devices, the various functionalmodules as above mentioned may be integrated into the same wearabledevice or scattered in a plurality of wearable devices or scattered in aplurality of devices such as the wearable device and the mobile phone.

In some other examples, the decoding unit as a software program orhardware entity may be arranged external to the mobile terminal orarranged in an external device such as the service providing device andthe background server; the mobile terminal transmits the obtained codemedium to these external devices for recognition, and decoded codeinformation is returned to the mobile terminal.

As shown in FIG. 11, the service providing device connected to theinterface of the mobile terminal comprises the subsequent functionalmodules:

a second transmitting/receiving unit configured for interactiveinformation with the mobile terminal (or further with various backgroundservers, etc.), which may also implement forwarding of the interactiveinformation between the mobile terminal and the background server andtransmit/receive any information mentioned in various examples above;

a code information parsing unit configured for parsing the codeinformation, which may first determine whether the code medium isgenerated according to a predetermined coding rule: if the code mediumis generated according to the predetermined coding rule and the storedcode parsing rule matches the actual coding rule of the code medium, thecode information parsing unit may successfully parse the codeinformation and then extract the service information corresponding tothe code information; if the code medium is not generated based on apredetermined coding rule and the code parsing rule does not match theactual coding rule of the code medium, a control command below may begenerated: controlling the mobile terminal or service providing deviceto perform network connection and open a browser, etc., such that themobile terminal may be directly linked to the webpage (corresponding toa product or service of another vendor) to which the actual codeinformation of the two-dimensional code is directed, or controlling apresenting unit of the mobile terminal to provide a link to the webpageor prompt an error alarm, or provide a preset other webpage or alertinformation, or make no alert, etc.

a memory unit which may be a standalone unit, or a component of a codeinformation parsing unit, configured for storing various informationdata, e.g., pre-storing a code parsing rule, essential information(pre-deposited amount, payment account number) for service providing,installation packet or download link of a client software that mayprovide human-machine interface and/or substitute the service relatedparameters, and identification information of the mobile terminal oruser stored during the interaction, etc.

The service providing device may be further equipped with: a clientsoftware monitoring unit configured for monitoring whether the mobileterminal is installed with a corresponding client software, and a clientsoftware installing unit configured for automatically providing downloadand installation of the client software for the mobile terminal when itis monitored that the mobile terminal is not installed with the clientsoftware. Preferably, if the code medium is generated based on apredetermined coding rule, the installed client software may be quicklystarted through interaction between the first and secondtransmitting/receiving units, and the parameters obtained from parsingthe code information may be automatically substituted into the clientsoftware, without a need of user operation.

The mobile terminal or the service providing device may further comprisea verification unit. When the service providing device is performing animportant operation or is reconnected with the mobile terminal, toimplement the foregoing different verification manners, the verifyingunit may be connected to corresponding units in the mobile terminal,service providing device or external device: for example, to performpassword verification, it is needed to connect the input unit of themobile terminal to obtain the password entered by the user, connected tothe code information parsing unit or memory unit in the serviceproviding device to retrieve a preset password; for example, connectedto a biometric feature acquiring device to acquire information such asfingerprint/voice print/retina, etc.; for another example, connected tothe transmitting/receiving unit to implement interaction with thebackground server, transmit/receive a verification message, andinformation related to a problem in identity recognition, etc.

Besides, various kinds of background servers (e.g., the backgroundserver of the provider of the service providing device, the backgroundserver of the two-dimensional code generating and issuing mechanism, thebackground server provided for collaboratively handling the services)are respectively configured with a transmitting/receiving unit tointeract with the mobile terminal or the service providing device;moreover, based on the functions respectively implemented thereby,corresponding functional modules are configured, e.g., a database forstoring registration information (identification information) of themobile terminal or user, a registering unit for completing userregistration, and a two-dimensional code generating unit, etc., whichare not exhausted one by one here.

Embodiment 7

As shown in the embodiment of FIG. 12, the mobile terminal and theservice providing device are directly connected via any interfacementioned above such that a service providing method below may beimplemented by applying passive two-dimensional code scanning:

in step S201, the two-dimensional code generating unit of the mobileterminal or the service providing device generates code informationcorresponding to the service providing related information (serviceinformation) according to a predetermined coding rule, and the generatesa two-dimensional code corresponding to the code information.

In step S202, the two-dimensional code is displayed at a presenting unitsuch as a display screen of the mobile terminal, available for the userand the vendor to view. Or, the two-dimensional code or its hyperlink orits corresponding code information may be directly transmitted to thevendor's background system.

In step S203, the vendor's background system (first background server)recognizes the two-dimensional code presented by the user's mobileterminal via a two-dimensional code recognizing device (e.g., a scanninggun, or another mobile terminal with a camera or camera head); andservice information corresponding to the two-dimensional codeinformation is obtained by decoding by the decoder and then parsing bythe code information parsing unit (for the code informationcorresponding to the directly received two-dimensional code, it may alsobe parsed by a code information parsing unit).

a code information parsing unit of the vendor's background system mayfirst determine whether the code medium is generated according to apredetermined coding rule: if the code medium is generated according tothe predetermined coding rule and the stored code parsing rule matchesthe actual coding rule of the code medium, the code information parsingunit may successfully parse the code information and then extract theservice information corresponding to the code information; if the codemedium is not generated based on a predetermined coding rule and thecode parsing rule does not match the actual coding rule of the codemedium, an error alarm may be promoted to the user's mobile terminal torequire re-generating the two-dimensional code or other set promptinformation or page according to the predetermined coding rule;afterwards, the method of this embodiment will not be further performed.

in step S204, the vendor's background system provides a service based onthe parsed service information.

To provide the service or collaborate in providing the service, theservice information in this embodiment may include any necessaryinformation that the vendor's background system needs to obtain from themobile terminal and/or the service providing device. For example, toimplement a payment order processing for a product purchased, the parsedservice information may include the payment account number bound to theuser, and identification information of the user/mobile terminal/serviceproviding device, etc. Particularly, the payment account number bound tothe user preferably comes from a service providing device, e.g., apayment account number stored in the SD card or SIM card, or accountnumber information bound to unique identification information (e.g., SIMcard number, mobile phone number, etc.) of the SIM card.

If the payment account number bound to the user has pre-deposited amountin the service providing device, the vendor's background system maydirectly deduct from the pre-deposited amount; if there are nopre-deposited amount or the balance is insufficient, the vendor'sbackground system may transmit the necessary information including theorder information, the corresponding amount, as well as the paymentaccount number bound to the user, to the background server (a secondbackground server, e.g., the payment server) collaborating in handlingthe order payment matter; it may be understood that the payment accountnumber bound to the user needs to register with the payment server first(or the payment server obtains information such as the payment accountnumber from an associated other server), such that the payment servermay record the order and the amount under the payment account number tosettle in real-time with the vendor's background server and returns asuccessful settlement message to the vendor. The payment server mayinstantly deduct the payment or generates a postpaid bill under thepayment account number; when the mobile terminal or the serviceproviding device (instantly or later) has a network connection, it mayretrieve the bill information or the successful settlement feedbackmessage provided by the payment server. Therefore, the mobile terminalor the service providing device only needs to provide relevantinformation in a two-dimensional code, which may implement an offlineoperation of service providing or collaborating in service providingwithout a need of network connection to the background server.

Optionally, after the code information parsing unit successfully parses,the vendor's background system or other background server associatedtherewith may transmit necessary information in the service information(or related to the service information) to a mobile terminal with acorresponding communication function or accessing to a same network viaa proximity wireless communication such as Bluetooth, Infrared or viathe Internet, so as to be presented on the display screen of the mobileterminal for the user to view, and/or wait for the user to transmit anindication of content confirmation to the vendor's background system viathe mobile terminal. For example, after parsing to obtain the paymentaccount number, the vendor's background system or the payment server maypresent the order amount to the user; or at this point, the user entersthe order amount for confirmation (which may serve as a transmittedservice providing request). Besides, the user may provide, in step S201,the entered order amount (service providing request) as part of theservice information in a two-dimensional code form. By enabling acorresponding communication function of the mobile terminal, thecorresponding feedback message during the service providing procedure(e.g., payment success or failure, balance of the funds, etc.) in theservice providing process may be obtained from the vendor's backgroundsystem or other background server associated therewith.

The mobile terminal or the service providing device may help the user toobtain a service or collaborate in service providing based on theinstalled client software, e.g., for providing a human-machineinteraction interface on the mobile terminal, displaying various alertsand notifications to the user, receiving a confirmation indicationtransmitted by the user, filling in various information, and serviceinformation or code information necessary for generating thetwo-dimensional code; necessary parameters in the service informationprovided when generating the two-dimensional code may be automaticallysubstituted in the client software (or after parsing, the parameters tosubstitute may be obtained from the vendor's background server) topresent to the user or actuate the mobile terminal/service providingdevice to perform corresponding operations, etc.

The user, the mobile terminal, or the service providing device may berequired to provide registration information to the operator of theclient software in advance according to any manner mentioned above; ifnecessary, the background system of the operator may communicate variousservice providing-related information such as the registrationinformation with other background servers, such as the background systemof the provider of the service providing device, and a plurality ofbackground servers (the vendor's background system, the payment server,etc.) collaborating in handling service providing.

In another example, the mobile terminal or the service providing devicemay obtain part of information related to service providing from otherplace such as the third party server and another mobile terminal, and onthis basis, superimpose remaining auxiliary information related toservice providing such as the identification information of the mobileterminal or the service providing device, and the attribute informationsuch as the positioned location, so as to generate the correspondingcode information and the two-dimensional code via the two-dimensionalcode generating unit. The form or content of the part of informationobtained from other places is not limited. For example, the registrationinformation of the mobile terminal or service providing device forregistering with the third party server, identification information ofanother mobile terminal, or even the information obtained from themobile terminal first decoding/parsing another received two-dimensionalcode, etc.

If the parsed service information also includes the correspondingcommand indicating the vendor's background system to execute the setoperations in the service providing flow (and the preconditions forexecuting the operation), it may be default that the service providingrequest is in default that the vendor's background system executes adesignated operation flow. The operations set based on actual conditionsof different services may refer to the operations that are performed bythe vendor's background system independently or in collaboration withother background servers, or in collaboration with the mobile terminalor the service providing device.

An exemplary mobile terminal as shown in FIG. 13 comprises: a codemedium generating unit (e.g., the two-dimensional code generating unit);and a presenting unit configured for presenting the code mediumgenerated by the mobile terminal (which may further present variousinformation involved during the interaction process).

It may further comprise some optional modules, such as a firsttransmitting/receiving unit configured for interacting information withthe service providing device (if necessary, with various backgroundservers, or functional modules of the mobile terminal distributed inother mobile terminals) so as to receive services or collaborate inservice providing (e.g., obtaining the identification information of theservice providing device, or forwarding information to the external viathe service providing device, transmitting registration information orreceiving registration success information, transmitting a serviceproviding request, transmitting or receiving various feedbacknotifications during the service providing process); and an input unitfor entering input information involved in the interaction process.

The service providing device connected to the interface of the mobileterminal comprises: a second transmitting/receiving unit configured forinteracting information with the mobile terminal (or further withvarious background servers, etc.); and a memory unit configured forstoring necessary information (pre-deposited amount, payment accountnumber) required for service providing.

As shown in FIG. 14, the background server (vendor background system)comprises: an obtaining module configured for obtaining a code medium ofa corresponding type; a decoding unit configured for decoding theobtained code medium to obtain code information; code informationparsing unit configured for parsing the code information, wherein if thecode medium is generated based on a predetermined coding rule, serviceinformation corresponding to the code information is extracted;optionally, a third transmitting/receiving unit configured forinteracting information with various other background servers (wherenecessary, further with the mobile terminal or service providingdevice).

Although the contents of the present disclosure have been described indetail through the foregoing preferred embodiments, it should beunderstood that the depictions above shall not be regarded aslimitations to the present disclosure. After those skilled in the arthaving read the contents above, many modifications and substitutions tothe present disclosure are all obvious. Therefore, the protection scopeof the present disclosure should be limited by the appended claims.

1-43. (canceled)
 44. A service providing method based on a codingmedium, comprising: parsing code information corresponding to the codingmedium; obtaining service information from the parsing, wherein theservice information includes one or more of the following parameters: anamount of stored fund, a designated account of stored fund, and a numberof times of consumption; wherein the service providing deviceparticipates in parsing, storing, or outbound providing a coding mediumor its corresponding code information; and the service providing deviceis connected with the mobile terminal via an interface provided for themobile device.
 45. The method according to claim 44, further comprising:obtaining the parameters in the service information to execute a paymentoperation; wherein the payment operation further comprises: deductingthe amount from the stored fund; or, deducting the amount from thestored fund of the designated account; or writing off from the number oftimes of consumptions.
 46. The method according to claim 45, furthercomprising: updating one or more of the parameters in the serviceinformation upon or after executing the payment operation.
 47. Themethod according to claim 45, wherein: the service providing device orthe mobile terminal records a to-be-paid amount under the designatedaccount obtained from the parsing or stored, and provides the designatedaccount and the to-be-paid amount till the background server isconnected, such that the background server performs settlement bydeducting the amount in the stored fund of the designated account orcreating a bill under the designated account.
 48. The method accordingto claim 45, wherein: the mobile terminal or the service providingdevice obtains order information and payee account by identifying athird-party coding medium.
 49. The method according to claim 45,wherein: the code information corresponding to the coding medium isparsed by the mobile terminal or the service providing device or thebackground server connected to the service providing device so as toobtain the corresponding parameters in the service information so as toexecute the payment operation.
 50. The method according to claim 45,wherein: the service providing device deducts the amount from the storedfund obtained from the parsing or stored thereby in a network connectedstate or in an offline state; or, the payment is separated from thesettlement, wherein: in a network connected state or in an offlinestate, the service providing device records the to-be-paid amount underthe designated account obtained from the parsing or as stored; and thenin the network connected state, the service providing device and/or themobile terminal is connected to the collaborative background server toperform payment settlement.
 51. The method according to claim 45,wherein: the coding medium corresponding to the parameters in theservice information is displayed, or transmitted, or released by themobile terminal or the service providing device for an external codingmedium identifying device to identify, and the code informationcorresponding to the coding medium is parsed based on the code parsingrule matched with a preset rule so as to obtain the correspondingservice information, the corresponding service information being used inexecuting the payment operation.
 52. The method according to claim 51,wherein: the external coding medium identification device refers to amerchant's coding medium identification device.
 53. The method accordingto claim 44, wherein: the coding medium corresponding to the parameteror its medium carrier is released, wherein the service providing deviceor the mobile terminal may obtain and store the released coding medium;or, the coding medium corresponding to the parameter or its mediumcarrier is transmitted to the service providing device or the mobileterminal to store.
 54. The method according to claim 44, wherein: thestored fund refers to digital currency.
 55. The method according toclaim 54, wherein: the coding medium corresponding to the parameters inthe service information is generated by the mobile terminal or theservice providing device or respective coding medium generating devicedesigned by the mobile terminal or the service providing device based onthe parameter in the corresponding service information.
 56. The methodaccording to claim 55, wherein: the generated coding medium is used inassets transaction; and the assets transaction includes exchange ortransfer.
 57. The method according to claim 46, wherein: one or more ofthe corresponding parameters are updated by an operator or releaser ofthe service providing device.
 58. The method according to claim 46,wherein: one or more of the parameters are updated by the serviceproviding device or the mobile terminal or the background serverconnected to the mobile terminal or the service providing device upon orafter executing the payment operation.
 59. The method according to claim46, wherein: the user originally has a first coding medium correspondingto a first parameter; a second parameter is obtained by adjusting andupdating the first parameter, and the mobile terminal or the serviceproviding device or the respective coding medium generating devicedesignated thereby generates a corresponding second coding medium basedon the preset coding rule; wherein the second coding medium can bestored, or displayed, or transmitted, or released; and the codeinformation corresponding to the second coding medium may be parsed byany party with a matched code parsing rule to obtain the secondparameter, the second parameter being used in the payment operation. 60.The method according to claim 59, wherein: the second coding medium isprovided to a second user; and the information obtained from the parsingthe code information corresponding to the second coding medium furtherincludes identification information of the first user, and/oridentification information of the second user.
 61. The method accordingto claim 45, wherein: the payment operation further comprises:adjusting, by the service providing device, the amount involved in thepayment independently or through interaction with the mobile terminaland/or the collaborative background server based on the attributeinformation corresponding to the service providing device, or the mobileterminal, or the user of the mobile terminal; or, adjusting, by theservice providing device, the amount involved in the paymentindependently or through interaction with the mobile terminal and/or thecollaborative background server based on the location informationcorresponding to the service providing device, or the mobile terminal;or, processing, by the service providing device, a service providingrequest initiated by the user or a default service providing requestindependently or through interaction with the mobile terminal and/or thecollaborative background server.
 62. The method according to claim 47,wherein: the service information obtained from the parsing the codeinformation corresponding to the coding medium further comprises any oneof the following: first identification information, which refers toidentification of any one or more of the collaborative backgroundserver, the user of the mobile terminal, the mobile terminal, and theservice providing device; second identification information, whichrefers to identification information of a third-party user, athird-party mobile terminal, or a third-party server specified by themobile terminal, the service providing device, or the collaborativebackground server; and information correspondingly bound to the firstidentification information and/or second identification information. 63.The method according to claim 44, wherein: the mobile terminal or theservice providing device obtains a dynamically generated coding mediumincluding a payment token; wherein the payment token refers to anumerical value redisplaying the designated account, wherein thenumerical value is unique within a specific range.
 64. The methodaccording to claim 44, wherein: the designated account is bound to oneor more of: the mobile terminal, or the user of the mobile terminal, orthe service providing device.
 65. The method according to claim 63,wherein: a domain-control attribute is configured for the payment token,wherein the domain-control attribute includes a number of times oftransactions with the payment token, transaction amount, valid period,and payment channel.
 66. The method according to claim 63, wherein: thepayment token is applied in various procedures of a transaction based onthe designated account.
 67. The method according to claim 63, wherein:payment tokenization is completed by formulating a coding rule, whereinthe payment tokenization refers to using the numerical value to replacethe designated account for transaction verification.
 68. The methodaccording to claim 63, wherein: the payment token is embedded in theservice providing device/or is generated by the service providingdevice.
 69. The method according to claim 63, wherein: theidentification information which may uniquely identify the mobileterminal, or the user, or the service providing device, and/or theassociation information among the mobile terminal, or the user, or theservice providing device, may serve as the payment token.
 70. The methodaccording to claim 69, wherein: the coding rule is stored at the serviceproviding device or the mobile terminal; corresponding code informationmay be generated from the service information according to the codingrule; the service information is superimposed with identificationinformation which serves as payment token and may uniquely identify themobile terminal, or the user, or the service providing device, and/orassociated information of the mobile terminal, or the user, or theservice providing device; wherein payment tokenization may beimplemented according to the coding rule so as to replace sensitiveinformation with the payment token.
 71. The method according to claim45, wherein: the service providing device performs parsing or paymentoperations by running an application configured therein; or, the serviceproviding device collaborates with the mobile terminal to run theapplication such that the service providing device and the mobileterminal collaborate to perform parsing or payment operations; theapplication configured for the mobile terminal is associated with theapplication configured for the service providing device; or, the mobileterminal and the service providing device independently run their ownconfigured applications, such that the service providing device and themobile terminal collaborate to perform parsing or payment operations;the application configured by the mobile terminal is a general paymentapplication, or an application an application configured for the mobileterminal or the service providing device are associated.
 72. The methodaccording to claim 45, wherein: the service providing device feeds backa deduction or payment result to the corresponding mobile terminal anddisplays the deduction or payment result to the user of the mobileterminal.
 73. The method according to claim 45, wherein: when thenetwork connection state is online, the service providing device or themobile terminal receives, in real time, the deduction or payment resultfed back from the background server and displays the deduction orpayment result to the corresponding user.
 74. The method according toclaim 72, wherein: the deduction or payment result fed back includesdeduction success or deduction failure.
 75. The method according toclaim 45, wherein: verification is performed by one of the serviceproviding device, the mobile terminal, and the collaborative server, orperformed collaboratively by more of the parties; after the verificationpasses, the parsing or payment operation is performed.
 76. The methodaccording to claim 75, wherein: the verification includes: determiningwhether password information provided by the user agrees with a presetpassword; or, determining whether biometric information acquired fromthe user agrees with preset biometric information; or, verifying throughidentity questions; or, verifying through short messages; or,determining whether the attribute information corresponding to the useror the mobile terminal or the service providing device is matched withspecified attribute information; or, determining whether the locationinformation corresponding to the mobile terminal or the serviceproviding device is matched with specified location information; or,determining whether the service providing device maintains connectedwith the interface of the mobile terminal; or, determining whether theservice providing device has a digital certificate, further confirminguser identity through the digital certificate and verifying associationbetween the mobile terminal and the digital certificate.
 77. The methodaccording to claim 44, wherein: the coding medium is a stored-value cardbarcode image, the barcode image including one or more of the following:one-dimensional code, two-dimensional code, or multi-dimensional code;an optical lattice diagram generated in a form of light-shadow ray orrefurbishing frequency variation or in a form of visible light or UV orinfrared light or polarized light.
 78. The method according to claim 44,wherein: the service providing device includes one or more of thefollowing: a memory card, a SIM card, a USB device, and an eSIM card.79. The method according to claim 78, wherein: in cases of being amemory card, the service providing device is connected to a first mobileterminal with a corresponding memory card slot or memory card interface;in cases of being a SIM card, the service providing device is connectedto a first mobile terminal with a corresponding SIM card slot or SIMinterface; in cases of being a USB device, the service providing deviceis connected to a mobile terminal with a corresponding USB interface; incases of being an eSIM card, the service providing device is connectedto the mobile terminal with a corresponding eSIM card integrationinterface;
 80. The method according to claim 44, wherein: the serviceproviding device is connected with the mobile terminal via a Bluethoothinterface or an infrared interface or WiFi.
 81. The method according toclaim 78, wherein: the coding medium is prestored in the memory card orthe SIM card in the form of image, wherein the memory card or the SIMcard is distributed by the operator.
 82. The method according to claim51, wherein: the mobile terminal or the service providing devicepre-stores a code parsing rule matched with the preset rule.
 83. Themethod according to claim 82, wherein: the service providing device atleast stores the coding medium and/or code parsing rule of thecorresponding parameter is released by a set institution.
 84. The methodaccording to claim 83, wherein: the set institution includes a bank, oran insurance company, or a telecommunication operator, or a merchant.85. The method according to claim 44, wherein: the service providingdevice is connected with an interface of a mobile terminal; wherein theservice providing device is always connected with the interface of themobile terminal; or, the service providing device is connected with theinterface of the mobile terminal when performing the parsing or paymentoperation.
 86. The method according to claim 44, wherein: the serviceproviding device refers to a wearable device, or the service providingdevice is one of the devices embedded in the wearable device; and/or,the mobile device is a wearable device, or the wearable device isconnected with the mobile terminal.
 87. The method according to claim86, wherein: the wearable device includes one or more of: accessories,eyeglass, eyeglass clips, headwear, hats, tie clips, brooches, bow ties,bracelets, watches, earphones, clothing, and shoes.
 88. A serviceproviding device, wherein: the service providing device is connectedwith a mobile terminal via an interface configured for the mobileterminal; wherein the service providing device comprises: a code parsingunit configured for parsing code information corresponding to a codingmedium as stored or obtained so as to obtain service information,wherein the service information includes one or more of the followingparameters: an amount of stored fund, a designated account of storedfund, and a number of times of consumption; a transmitting unitconfigured for interacting with the mobile terminal and/or thebackground server, and at least transmitting the coding medium or itscorresponding code information or the service information extracted fromthe parsing; a memory unit configured for storing the coding medium orits corresponding code information or the service information extractedfrom the parsing; wherein the service providing device participates inparsing, storing, or outbound providing the coding medium or itscorresponding code information.
 89. The service providing deviceaccording to claim 88, wherein: the parameters in the informationobtained by the service providing device are used in executing a paymentoperation; the payment operation further comprises: deducting an amountfrom the stored fund; or, deducting the amount from the stored fund ofthe designated account; or writing off from the number of times ofconsumptions.
 90. The service providing device according to claim 89,wherein: the service providing device records a to-be-paid amount underthe designated account obtained from the parsing or stored, and providesthe designated account and the to-be-paid amount till the backgroundserver is connected, such that the background server performs settlementby deducting the amount in the stored fund of the designated account orcreating a bill under the designated account.
 91. The service providingdevice according to claim 88, wherein: a code parsing unit of theservice providing device obtains order information and payee account byidentifying a third-party coding medium.
 92. The service providingdevice according to claim 89, wherein: the service providing devicededucts the amount from the fund obtained from the parsing or storedthereby in a network connected state or in an offline state; or, thepayment is separated from the settlement, wherein: in the networkconnected state or in an offline state, the service providing devicerecords the to-be-paid amount; then, in the network connected state theservice providing device and/or the mobile terminal is further connectedto the collaborative background server to perform settlement.
 93. Theservice providing device according to claim 89, wherein: the mobileterminal displays the coding medium stored thereby corresponding to theparameters in the service information, or the mobile terminal displaysthe received coding medium corresponding to the parameters in theservice information as transmitted by the transmitting unit of theservice providing device, or, the service providing device transmits orreleases, via its transmitting unit, the coding medium corresponding tothe parameters in the service information, for an external coding mediumidentifying device to identify, parses the code informationcorresponding to the coding medium based on the code parsing rulematched with a preset rule so as to obtain the corresponding serviceinformation, the service information being used in executing the paymentoperation.
 94. The service providing device according to claim 89,wherein: upon or after executing the payment operation, one or more ofthe corresponding parameters are updated by an operator or releaser ofthe service providing device; or, upon or after executing the paymentoperation, one or more of the parameters are updated by the serviceproviding device or the mobile terminal or the background serverconnected to the mobile terminal or the service providing device. 95.The service providing device according to claim 94, wherein: the useroriginally has a first coding medium corresponding to a first parameter;a second parameter is obtained by adjusting and updating the firstparameter; and the coding medium generating unit of the serviceproviding device or the coding medium generating unit of the mobileterminal, or a coding medium generating device respectively designatedthereby, generates a corresponding second coding medium based on thepreset coding rule; the second coding medium may be stored by theservice providing device or the memory unit of the mobile terminal; orthe second coding medium may be displayed by a displaying unit of themobile terminal; or the second coding medium may be transmitted forreleased by the service providing device or the transmitting unit of themobile terminal; and the code information corresponding to the secondcoding medium may be parsed by any party with a matched code parsingrule to obtain the second parameter, the second parameter being used inthe payment operation.
 96. The service providing device according toclaim 95, wherein: the second coding medium is provided to a seconduser; the information obtained from the parsing the code informationcorresponding to the second coding medium further includesidentification information of the first user, and/or identificationinformation of the second user.
 97. The service providing deviceaccording to claim 89, wherein: the payment operation further comprises:adjusting, by the service providing device, the amount involved in thepayment independently or through interaction with the mobile terminaland/or the collaborative background server based on the attributeinformation corresponding to the service providing device, or the mobileterminal, or the user of the mobile terminal; or, adjusting, by theservice providing device, the amount involved in the paymentindependently or through interaction with the mobile terminal and/or thecollaborative background server based on the location informationcorresponding to the service providing device, or the mobile terminal;or, processing, by the service providing device, a service providingrequest initiated by the user or a default service providing requestindependently or through interaction with the mobile terminal and/or thecollaborative background server.
 98. The service providing deviceaccording to claim 89, wherein: the stored fund refers to digitalcurrency.
 99. The service providing device according to claim 88,wherein: the coding medium generating unit of the service providingdevice or the coding medium generating unit of the mobile terminal orthe coding medium generating device respectively designated therebygenerates the coding medium corresponding to the parameters in theservice information.
 100. The service providing device according toclaim 99, wherein: the generated coding medium is used in assetstransaction; the assets transaction includes exchange or transfer. 101.The service providing device according to claim 88, wherein: the serviceinformation obtained from the parsing the code information correspondingto the coding medium further comprises any one of the following: firstidentification information, which refers to identification of any one ormore of the collaborative background server, the user of the mobileterminal, the mobile terminal, and the service providing device; secondidentification information, which refers to identification informationof a third party user, a third party mobile terminal, or a third partyserver specified by the mobile terminal, the service providing device,or the collaborative background server; and information correspondinglybound to the first identification information and/or secondidentification information.
 102. The service providing device accordingto claim 89, wherein: the designated account is bound to one or more of:the mobile terminal, or the user of the mobile terminal, or the serviceproviding device.
 103. The service providing device according to claim89, wherein: the service providing device feeds back a payment result tothe mobile terminal via the transmitting unit and displays it to theuser of the mobile terminal.
 104. The service providing device accordingto claim 89, wherein: the service providing device comprises a verifyingunit configured for the service providing device to perform verificationindependently or in cooperation with the mobile terminal and/or thecollaborative background server, and after the verification passes,performs a parsing or payment operation.
 105. The service providingdevice according to claim 104, wherein: the verification includes:determining whether password information provided by the user agreeswith a preset password; or, determining whether biometric informationacquired from the user agrees with preset biometric information; or,verifying through identity questions; or, verifying through shortmessages; or, determining whether the attribute informationcorresponding to the user or the mobile terminal or the serviceproviding device is matched with specified attribute information; or,determining whether the location information corresponding to the themobile terminal or the service providing device is matched withspecified location information; or, determining whether the serviceproviding device maintains connected with the interface of the mobileterminal; or, determining whether the service providing device has adigital certificate, and further confirming user identity through thedigital certificate and verifying association between the mobileterminal and the digital certificate.
 106. The service providing deviceaccording to claim 88, wherein: the coding medium is a stored-value cardbarcode image, the barcode image including one or more of the following:one-dimensional code, two-dimensional code, or multi-dimensional code;an optical lattice diagram generated in a form of light-shadow ray orrefurbishing frequency variation or in a form of visible light or UV orinfrared light or polarized light.
 107. The service providing deviceaccording to claim 88, wherein: the service providing device includesone or more of the following: a memory card, a SIM card, a USB device,and an eSIM card.
 108. The service providing device according to claim107, wherein: in cases of being a memory card, the service providingdevice is connected to a first mobile terminal with a correspondingmemory card slot or memory card interface; in cases of being a SIM card,the service providing device is connected to a first mobile terminalwith a corresponding SIM card slot or SIM interface; in cases of being aUSB device, the service providing device is connected to a mobileterminal with a corresponding USB interface; in cases of being an eSIMcard, the service providing device is connected to the mobile terminalwith a corresponding eSIM card integration interface;
 109. The serviceproviding device according to claim 107, wherein: the coding medium isprestored in the memory card or the SIM card in the form of image,wherein the memory card or the SIM card is distributed by the operator.110. The service providing device according to claim 88, wherein: theservice providing device pre-stores a code parsing rule matched with thepreset rule.
 111. The service providing device according to claim 110,wherein: the service providing device at least storing the coding mediumand/or code parsing rule of the corresponding parameter is released by aset institution.
 112. The service providing device according to claim111, wherein: the set institution includes a bank, or an insurancecompany, or a telecommunication operator, or a merchant.
 113. Theservice providing device according to claim 88, wherein: theidentification information which may uniquely identify the mobileterminal, or the user, or the service providing device, and/or theassociation information among the mobile terminal, or the user, or theservice providing device, may serve as the payment token.
 114. Theservice providing device according to claim 88, wherein: the serviceproviding device refers to a wearable device, or the service providingdevice is one of the devices embedded in the wearable device; whereinthe transmitting unit, the code parsing unit, the memory unit, theverification unit, and the coding medium generating unit are provided inone wearable device or separately provided in a plurality of wearabledevices or separately provided in the wearable device and the serviceproviding device.
 115. The service providing device according to claim114, wherein: the wearable device refers to one of the following partsor a portion thereof: accessories, eyeglass, eyeglass clips, headwear,hats, tie clips, brooches, bow ties, bracelets, watches, earphones,clothing, and shoes.
 116. A mobile terminal, wherein the mobile terminalimplements connection with a service providing device via an interfaceprovided therefor, wherein the service providing device participates inparsing, or storing, or outbound providing a coding medium or itscorresponding code information; the service providing device parses thecode information corresponding to the obtained coding medium to obtaincorresponding service information, wherein the service informationincludes one or more of the following parameters: an amount of storedfund, a designated account of stored fund, and a number of times ofconsumption; the mobile terminal comprising: a transmitting unitconfigured for interacting with the service providing device and/or thebackground server to at least transmit the coding medium or itscorresponding code information or the service information extracted fromthe parsing; and an input unit for inputting information wheninteracting with the service providing device and/or the backgroundserver.
 117. The mobile terminal according to claim 116, wherein: themobile terminal comprises a memory unit which stores the coding mediumor its corresponding code information, or stores released or transmittedcoding medium or its corresponding code information received via thetransmitting unit.
 118. The mobile terminal according to claim 117,wherein: the parameters in the information obtained by the serviceproviding device interacting with the mobile terminal are used inexecuting a payment operation; the payment operation further comprises:deducting the amount from the stored fund; or, deducting the amount fromthe stored fund of the designated account; or writing off from thenumber of times of consumptions.
 119. The mobile terminal according toclaim 118, wherein: the service providing device or the mobile terminalrecords a to-be-paid amount under the designated account obtained fromthe parsing or stored, and provides the designated account and theto-be-paid amount till the background server is connected, such that thebackground server performs settlement by deducting the amount in thestored fund of the designated account or creating a bill under thedesignated account.
 120. The mobile terminal according to claim 118,wherein: The mobile terminal comprises a display unit for displayinginput information or output information upon interaction, and displayingthe service information extracted from the parsing or the payment resultfed back from the service providing device. the mobile terminal furtherdisplays, via the display unit, the coding medium stored therebycorresponding to the parameters in the service information, or thetransmitting unit of the mobile terminal displays the received codingmedium corresponding to the parameters in the service information astransmitted from the service providing device, for an external codingmedium identification device to identify, such that the external codingmedium identification device parses the code information correspondingto the coding medium based on the code parsing rule matched with apreset rule so as to obtain the corresponding service information, theservice information being used in the payment operation.
 121. The mobileterminal according to claim 117, wherein: upon or after executing thepayment operation, one or more of the corresponding parameters areupdated by an operator or releaser of the service providing device; or,upon or after executing the payment operation, one or more of theparameters are updated by the service providing device or the mobileterminal or the background server connected to the mobile terminal orthe service providing device.
 122. The mobile terminal according toclaim 117, wherein: the user originally has a first coding mediumcorresponding to a first parameter; a second parameter is obtained byadjusting and updating the first parameter, and the coding mediumgenerating unit of the service providing device or the coding mediumgenerating unit of the mobile terminal, or a coding medium generatingdevice respectively designated thereby generates a corresponding secondcoding medium based on the preset coding rule; the second coding mediummay be stored by the service providing device or the memory unit of themobile terminal, or the second coding medium may be displayed by adisplaying unit of the mobile terminal, or the second coding medium maybe transmitted for released by the service providing device or thetransmitting unit of the mobile terminal; and the code informationcorresponding to the second coding medium may be parsed by any partywith a matched code parsing rule to obtain the second parameter, thesecond parameter being used in the payment operation.
 123. The mobileterminal according to claim 122, wherein: the second coding medium isprovided to a second user; the information obtained from the parsing thecode information corresponding to the second coding medium furtherincludes identification information of the first user, and/oridentification information of the second user.
 124. The mobile terminalaccording to claim 118, wherein: the payment operation furthercomprises: adjusting, by the service providing device, the amountinvolved in the payment independently or through interaction with themobile terminal and/or the collaborative background server based on theattribute information corresponding to the service providing device, orthe mobile terminal, or the user of the mobile terminal; or, adjusting,by the service providing device, the amount involved in the paymentindependently or through interaction with the mobile terminal and/or thecollaborative background server based on the location informationcorresponding to the service providing device, or the mobile terminal;or, processing, by the service providing device, a service providingrequest initiated by the user or a default service providing requestindependently or through interaction with the mobile terminal and/or thecollaborative background server.
 125. The mobile terminal according toclaim 118, wherein: the stored fund refers to digital currency.
 126. Themobile terminal according to claim 125, wherein: the coding mediumgenerating unit of the service providing device or the coding mediumgenerating unit of the mobile terminal or the coding medium generatingdevice respectively designated thereby, generates the coding mediumcorresponding to the parameters in the service information.
 127. Themobile terminal according to claim 126, wherein: the generated codingmedium is used in assets transaction; the assets transaction includesexchange or transfer.
 128. The mobile terminal according to claim 116,wherein: the service information obtained from the parsing the codeinformation corresponding to the coding medium further comprises any oneof the following: first identification information, which refers toidentification of any one or more of the collaborative backgroundserver, the user of the mobile terminal, the mobile terminal, and theservice providing device; second identification information, whichrefers to identification information of a third-party user, athird-party mobile terminal, or a third-party server specified by themobile terminal, the service providing device, or the collaborativebackground server; and information correspondingly bound to the firstidentification information and/or second identification information.129. The mobile terminal according to claim 117, wherein: the designatedaccount is bound to one or more of: the mobile terminal, or the user ofthe mobile terminal, or the service providing device.
 130. The mobileterminal according to claim 116, wherein: the service providing deviceis a USB device with a USB connector, which is connected to a mobileterminal with a corresponding USB interface; or, the service providingdevice is a memory card, which is connected to the mobile terminal witha corresponding memory card slot or memory card interface; or, theservice providing device is a SIM card, which is connected to the mobileterminal with a corresponding SIM card slot or SIM card interface; or,the service providing device is an eSIM card, which is connected to themobile terminal with a corresponding eSIM card integration interface oris integrated in the mobile terminal; or, the service providing deviceis a device having a wired or wireless communication interface, which isin signal connection with the mobile terminal having a correspondingwired or wireless communication interface, wherein the signal connectionallows the service providing device to communicate with the mobileterminal when offline or online.
 131. The mobile terminal according toclaim 116, wherein: the service providing device, which interacts withthe mobile terminal, stores a digital certificate through which toverify user identity and the association between the mobile terminal andthe digital certificate.
 132. The mobile terminal according to claim116, wherein: the identification information which may uniquely identifythe mobile terminal, or the user, or the service providing device,and/or the association information among the mobile terminal, or theuser, or the service providing device may serve as the payment token.133. The mobile terminal according to claim 116, wherein: a wearabledevice serves as the mobile terminal, or the wearable device isconnected with the mobile terminal; wherein the transmitting unit, theinput unit, the memory unit, the display unit, and the coding mediumgenerating unit are provided in one wearable device or separatelyprovided in a plurality of wearable devices or separately provided inthe wearable device and the mobile terminal.
 134. The mobile terminalaccording to claim 133, wherein: the wearable device refers to one ofthe following parts or a portion thereof: accessories, eyeglass,eyeglass clips, headwear, hats, tie clips, brooches, bow ties,bracelets, watches, earphones, clothing, and shoes.